商业银行不良资产处置的难点与建议

The Dificultieis and Sugestions of Non-performing Assets Disposal of Commercial Banks

多重压力致不良问题更为突出 从规模口径来看,中国是全球最大的不良资产市场.2018年末,国内商业银行的不良贷款规模达2.03万亿元,虽然比上季度略有下降,但同一时点的商业银行的关注类贷款达3.4万亿元,加之彼时金融资产管理公司收购的近4.3万亿元的账面不良,整个中国金融体系内的不良资产规模十分庞大.2019年末,商业银行的不良贷款和关注类贷款余额分别为2.41万亿元和3.8万亿元;2020年一季度末,上述规模更分别达到2.61万亿元和4.1万亿元,无论是绝对量还是占银行业总资产的比率均创下历史新高.

The risk of non-performing assets is one of the main risks of commercial banks,the effective disposal of non-performing assets risk is the key point to fight the major financial risks.Looking forward to the second half of 2020,perfect and appropriate relaxation of policy,as well as standardization and improvement of efficiency of operation links are still the key points to be solved in the disposal of non-performing assets.