新形势下商业银行不良贷款责任认定实施难:表现形式、主要原因及对策建议

Difficulties for Commercial Banks NPL Liabilities Under the New Situation:Manifestations、Main Reasons and Countermeasures

现有商业银行不良资产责任认定工作推进困难,存在相关制度有待完善、准确分解责任存在困难、责任认定队伍的独立性、专业性建设不足、对于责任认定工作存在理解误区等情况。商业银行应通过完善不良贷款责任认定机制、准确界定不良贷款责任、落实尽职免责和不良贷款容忍率要求、提高队伍建设、重视外包、加强宣传教育等方面完善不良贷款责任认定体制机制。

It is difficult to promote the identification of non-performing assets liability of existing commercial banks.Relevant systems need to be improved,accurately decomposing responsibilities is difficult,the independence and profes‐sionalism of the responsibility identification team are insufficient,and there are misunderstandings about the responsibility identification work.Commercial banks should improve the NPL responsibility identification system and mechanism by im‐proving the NPL responsibility identification mechanism,accurately defining the responsibility of NPL,implementing the requirements for dutiful exemption,improving team building,paying attention to outsourcing,and strengthening publicity and education.