近年来 ,城市商业银行开始朝着管理正规化、经营集约化、业务合法化、竞争有序化的方向迈步发展。然而 ,由于城市商业银行是在承继了原信用社的各种历史包袱的基础上成立的 ,存在各种新老问题。其中 ,不良贷款居高不下、占比大的问题尤为严重。不良贷款一方面使得城市商业银行? In recent years, urban commercial banks have started to move toward the direction of regularization of management, intensive management, legalization of business and orderly competition. However, due to the inheritance of the various historical burdens of the original credit cooperatives, the city commercial banks have been set up with various old and new problems. Among them, the non-performing loans are still at a high level, accounting for a particularly large proportion. Non-performing loans on the one hand make city commercial banks?