一、化解不良资产问题是国有商业银行的当务之急截至2002年12月31日,四大国有商业银行各项贷款余额79925亿元,按照“一逾两呆”计算的不良贷款余额达17054亿元,不良率为21.36%,比民生银行和招商银行分别高出19.14%和16.60%。按五级风险资产分类,不良率更高达24.1%。大量存在的 First, to solve the problem of non-performing assets is a top priority of state-owned commercial banks As of December 31, 2002, the four major state-owned commercial banks loan balance of 79.9925 trillion yuan, according to “more than one stay” calculated non-performing loans amounted to 1705400000000 yuan, Non-performing rate of 21.36%, Minsheng Bank and China Merchants Bank, respectively, higher than the 19.14% and 16.60%. According to the five risk assets classification, the non-performing rate is as high as 24.1%. There is a lot of