商业银行不良贷款成因及对策

Causes and Countermeasures of Non-Performing Loans of Commercial Banks

商业银行能否稳健经营,贷款的资产质量是重要因素,其关系着我国金融体系的安全,对国民经济的健康发展也有着举足轻重的作用。论文分别从不良贷款的总体情况和信贷风险成因,进行数据统计和举例说明,并提出了针对不良贷款的控制措施及建议。

Whether the commercial banks can operate steadily, the asset quality of the loan is an important factor, which is related to the security of our financial system and plays an important role in the healthy development of the national economy. Papers analyzes the general status of non-performing loan and the reason of the credit loan risk through the data statistics and illustrate, then puts forwards the control measures and suggestion for the non-performing loan.