关于国有商业银行不良贷款处理效率探讨

Probe on efficiency of management of non-performing loans by stated-owned commercial banks

本文从四大国有商业银行目前沉淀巨额不良资产的现状出发,通过分析不良贷款处理效率低下的原因和阐明加快不良贷款处理的意义,从宏观和微观方面提出加快国有商业银行不良贷款处理的措施。

Proceed from the current situation of huge nonperforming assets of the main four stateowned commercial banks, this article analyses the reasons for low efficiency of the management of nonperforming loans and clarifies the significance of management of nonperforming loans, through which measures for accelerating the management of nonperforming loans of stateowned banks have been proposed from the macro view of governmental policies and micro view of bank operations.