国有商业银行不良贷款问题的因素分析

Analysis of Inside and Outside Factors of Resolving Chinese State-owned Commercial Banks'Bad Loan

与金融领域的其他改革相比,我国国有商业银行的改革显得有些滞后,此间严峻的不良贷款问题明显成为其改革进程的巨大障碍。十几年来,各方为扫清这一障碍采取了诸多措施,但效果并不显著。解决国有商业银行不良贷款问题须做通盘考虑,既要有全方位的宏观视角,又要有行之有效的微观思路,综合分析解决这一问题的内外因素,才能有效克服此障碍。

Compared with other innovations in financial fields, Chinese state-owned commercial banks'innovation appears somewhat slow moving. Severe situation of bad loan becomes the enormous obstruction in the process of innovation. During recent years, we have taken a good many measures to overcome it. But the effects are not satisfactory. The author reckons it is obligatory to survey the whole situation, that is, we must combine the omni-directional macro visual angle and effective micro consideration.Only after analysing inside and outside factors of resolving the issue, could we conquer the hindrance.