不良贷款的降压和化解,是商业银行信贷资产管理、收回的最终环节,也是风险控制的重点和难点之一。它的有效开展,能够为银行实现债权、优化资产质量、降低信贷风险、加快信贷资金的周转发挥较大的作用。目前,邮储银行不良贷款的规模和不良率均低于其他商业银行。究其原因,一方面是因为邮储银行信贷业务发展较晚,不良贷款的产生有一定滞后性;另一方面,这也与邮储银行目前的信贷品种相对较少、信贷结构主要以个人零售贷款为主有着一定的关系。同时,由 The depreciation and defusing of non-performing loans is the ultimate link in the management and recovery of credit assets of commercial banks. It is also one of the key and difficult points of risk control. Its effective implementation can play a greater role in realizing the creditor’s rights of banks, optimizing the quality of assets, reducing the credit risk and accelerating the turnover of credit funds. At present, the non-performing loans of Postal Saving Bank are both lower in size and non-performing ratio than other commercial banks. The reason is partly because of the late development of the credit business of the Postal Savings Bank and the lagging nature of the non-performing loans. On the other hand, it is also relatively rare with the current credit products of the Postal Savings Bank. The credit structure is mainly based on personal retail Loan-based has a certain relationship. At the same time, by