银行解“毒”

“Detoxify” the Bank System

资产荒背景下银行逐利“有毒资产”自2010年宏观调控，尤其是2011年调控效果逐步显现以来，我国经济进入一轮下行周期，结构调整成为重点工作任务。与宏观调控相配合的，是银行业监管在2011年起逐步从严，资本管理、资金投向等方面的监管逐步完善。在此背景下，银行业经营进入相对困难的时期，不良资产暴露，信贷需求疲软，盈利增速开始逐步下行。

Since 2010 our macro-control began,the economy has entered a downward cycle,the banking sector is also facing stringent regulation.Commercial bank need to find more assets to maintain profit.However,these sources of assets are not entirely safety,there are hidden dangers.These assets with potential risks are temporarily called 'toxic assets'.