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一项调查结果显示,我国国有商业银行不赢利的贷款总额高达4800亿美元,即不良贷款高达3万多亿元,占银行贷款总额的44％,占中国经济1.08万亿美元GDP的44％。 不良资产所蕴藏的经济隐患,越来越为高层、业界和经济学界所关注。如何消除不良贷款存量,防范新的不良贷款的产生,是国有商业银行能否参与国际化外资银行竞争的前提条件。
According to a survey, the non-profitable loans of China’s state-owned commercial banks amounted to 480 billion U.S. dollars. That is, non-performing loans amounted to more than 3 trillion yuan, accounting for 44% of the total bank loans and accounting for 44% of the 1.08 trillion U.S. dollars in China’s economy. The economic hidden dangers hidden in non-performing assets are increasingly being paid attention to by senior, industry and economists. How to eliminate the stock of non-performing loans and prevent the emergence of new non-performing loans are the preconditions for state-owned commercial banks to participate in the competition of internationalized foreign banks.