提高国有商业银行资产质量初探

A Probe into Enhancing State-owned Commercial Banks' Assets Quality

目前,我国金融业潜伏着巨大风险,其根源在于国有商业银行不良贷款比例过高。商业银行要提高资产质量,不仅自身需要积极采取应对措施,如通过制定处置措施、完善处置手段、调整核销呆帐贷款政策等,加快不良贷款的消化进度,提高处置不良贷款的效率,国家、地方政府也应给予多方面、全方位的支持。

The enormous potential risks in the financial industry in China,is rooted in the high proportion of bad loans in the stateowned commercial banks.This paper analyzes the problems about the loans in some of our country's commercial banks, and then makes a further discussion on how to improve assets quality. 