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商业银行不良贷款问题一直是近年来政府及商业银行着力解决的老大难问题,商业银行尤其是国有商业银行不良贷款量的持续存在和上涨,不仅严重影响了银行资产质量,也直接影响了我国的金融改革进程,因此分析商业银行不良贷款产生的主要原因并在此基础上提出具体对策,就成为当前我国商业银行有效应对不良贷款问题的现实问题。
The problem of non-performing loans of commercial banks has always been an overwhelming problem that the government and commercial banks are trying to solve in recent years. The persistent existence and rise of the non-performing loans of commercial banks, especially state-owned commercial banks, have not only seriously affected the quality of bank assets, but also directly affected our country’s Therefore, to analyze the main causes of nonperforming loans of commercial banks and to put forward specific countermeasures on the basis of this, it becomes a practical problem for our commercial banks to effectively deal with the problem of non-performing loans.