银行不良贷款问题已成为制约我国金融体制改革和国有企业发展的一个关键障碍。如何化解我国银行，特别是国有银行当前存在的大量不良贷款，进一步防范新的增量不良贷款发生，减少和降低金融风险，已经成为深化经济金融体制改革，建立社会主义市场经济体制的一个重大问题，... The issue of bank non-performing loans has become a key obstacle to the reform of China’s financial system and the development of state-owned enterprises. How to deal with the large number of non-performing loans currently existing in China’s banks, especially the state-owned banks, and further prevent the occurrence of new incremental non-performing loans and reduce and reduce financial risks has become a major issue in deepening economic and financial system reform and establishing a socialist market economic system , ...