中国的商业银行要与外资银行展开竞争,跻身于国际先进的现代商业银行之列,需要做的事有很多,诸如公司治理、不良资产压降处置、股改上市等等,有些可能在短期内可以完成,有些可能还需要相当长的时间。问题是在这个过程中,新的、超过其资本承受能力的、过多的不良贷款仍在不断地暴露,除了计划经济时期留下来的国企转改制或关停破而造成的不良贷款外,一些近年来完全是自主决策的贷款也不断地劣变为新的风险损失。这已成了商业银行尤其是国有商业银行面临的一大难题。 Competing with foreign banks, China’s commercial banks are among the most advanced modern commercial banks in the world. There are many things that need to be done, such as corporate governance, pressured disposal of non-performing assets, stock reform, etc. Some may be able to operate in the short term Completed, some may still take a long time. The problem is that in the process, too many new non-performing loans that exceed their capital affordability are still exposed. Apart from non-performing loans caused by the restructuring or shutting down of state-owned enterprises left over from the planned economy, some In recent years, completely independent decision-making loans are constantly deteriorating into new risk losses. This has become a major challenge for commercial banks, especially state-owned commercial banks.