论国有商业银行不良资产的“细分”

The Subdivision of Bad Debts in Our Government--owned Trade Banks

目前困扰我国商业银行进行改革的关键因素便是大量不良资产的存在。只有分析其形成根源,才能构建一种更有效的解决我国国有商业不良资产的新模式。因此,从不良债权形成原因入手,指出我国国有商业银行不良资产可划分为三大类——财政性不良资产、企业性不良资产和经营性不良资产, 并分别对其形成背景进行了详细探究,以期有利于我国国有商业银行不良资产的处理。

A great deal of bad debts is the key cause that retards the advancing reform of our state-owned trade banks. Only research into its original form can we put forwards an effective mode to solve the problem. Based on the analysis of the causes, this paper points that these bad debts is made up of three kinks of debt -- finance-caused bad debt, enterprise-caused bad debt and management-caused bad debt. It also makes an detailed research on its background. It is hoped that these research can help our state-owned trade banks solve the bad debts.