我国商业银行不良贷款现状及治理对策

The Current Situation and Countermeasures of Non-performing Assets of Commercial Banks in China

从我国商业银行不良贷款的现状进行分析,深入探讨了不良贷款形成原因:商业银行面向借款人和担保人的审查不符合规定、我国普遍存在的国有企业体制、社会信用体系不完善、法律制度不完备。剖析了商业银行不良贷款会对商业银行本身造成的不良影响和对企业的影响。并结合实际国情提出治理对策,我国应建立并完善现代的企业制度,加快建造完备金融法制体系,政府需要优化监管体系,推进金融监管体系建设。

This paper discussed the reasons for the formation of non-performing loansin depth, based on the analysis of the current situation of non-performing loans in China’s commercial banks.It thought that the reasons included that commercial banks’ examination of borrowers and guarantors didn’t comply with the regulations, the state-owned enterprise system prevailing in China, the social credit system wasn’t perfect, and the law system was incomplete. It analyzed the adverse effects of commercial banks’ bad loans on commercial banks and their impact on enterprises. Finally it proposed the measures in combination with the actual national conditions, which included that establishing and improving a modern enterprise system,accelerating the construction of a complete financial legal system, optimizing the supervision system forthe governmentand promoting the construction of a financial supervision system.