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商业银行的贷款风险一直是一个亟待解决的焦点问题,不良资产占比较高将直接影响信贷资金的流动性和效益性,目前由美国次级贷引发的全球金融危机,冲击了全球金融机构,使
The loan risk of commercial banks has always been a key issue to be solved urgently. A high proportion of non-performing assets will directly affect the liquidity and profitability of credit funds. The current global financial crisis triggered by the U.S. subprime mortgage has hit the global financial institutions.