目前，不良资产已成为影响辖内金融业健康发展的最主要障碍，居高难下的呆坏帐使各商业银行面临着严峻的财务风险。如何做好不良资产的“抓降”工作已成为当前人民银行监管工作的重中之重。为找准问题的症结，提高“抓降”工作的有效性，人民银行增城市支行对辖内不良贷款“抓降”工作进行了调查。 At present, the non-performing assets have become the most important obstacle to the healthy development of the financial industry in their jurisdictions. The dilemma of bad loans causes commercial banks to face severe financial risks. How to do a good job of “grabbing and dropping down” non-performing assets has become the most important task of the supervision of the People’s Bank of China. In order to identify the crux of the problem and improve the effectiveness of “grabbing and lowering” work, the People’s Bank of China Zengcheng Sub-branch conducted a survey on the “grasping and lowering” of non-performing loans within its jurisdiction.