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我国银行不良资产的形成,原因是多方面的:体制缺陷、行政干扰、政策多变、决策失误、管理失灵和借款人投资经营失败以及信用不足等等,都可以不同程度地导致我国银行增量不良资产的产生。银行不良资产的法律成因主要表现在信贷立法滞后、信贷主体有法不依、执法不严等几个方面,对防控银行不良资产采取相应的防治对策,可推动我国银行长效防范机制的建立。
The formation of non-performing bank assets in our country is caused by many factors: system defects, administrative interference, changing policies, mistakes in decision-making, management failures and unsuccessful borrowers’ investment and credit, etc. can all contribute to different degrees of bank increment in our country The production of non-performing assets. The legal causes of non-performing assets in banks mainly lie in the following aspects: the delay of credit legislation, the failure of credit subjects to abide by the law, and the lax enforcement of laws. The countermeasures to prevent and control the non-performing assets of banks should be taken to prevent the establishment of long-term banks’ preventive mechanism.