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目前,我国四大国有独资商业银行业有不良贷款36394.9亿元,不良贷款率为33.62%,占GDP总量达10%,占一年财政收入比重近一倍。不仅已形成商业银行的巨大包袱,而且还酝酿着巨大损失,酝酿着一触即发的金融危机。不良贷款形成的原因既有历史原因,也有现实原因;既有客观原因,也有主观原因。本文通过分析我国商业银行不良贷款产生的原因,就如何防止不良贷款形成提出相应的对策建议。
At present, the four state-owned wholly-owned commercial banks in China have non-performing loans of 3,639,490 million yuan, with a non-performing loan ratio of 33.62%, accounting for 10% of GDP and nearly doubling the proportion of one-year fiscal revenue. Not only has formed a huge burden of commercial banks, but also brewing a huge loss, brewing an explosive financial crisis. The reasons for the formation of non-performing loans both historic as well as practical reasons; both objective and subjective reasons. This article analyzes the causes of non-performing loans in China’s commercial banks and puts forward corresponding countermeasures and suggestions on how to prevent the formation of non-performing loans.