金融业本身是一个高风险的行业，近年来受多种主客观因素的影响，造成银行信贷资产质量下降，三项贷款增加。造成风险贷款的原困：从银行外部看，片面追求高速度，忽视经济效益的粗放型经济增长方式，是导致信贷资产质量下降的主要原因。过去我国经济增长主要靠规模扩张和过量 The financial industry itself is a high-risk industry. In recent years, it has been affected by many subjective and objective factors, resulting in a decline in the quality of bank credit assets and an increase in three loans. The original sleepyness of risky loans: From the perspective of the banks, the extensive economic growth mode with one-sided pursuit of high speed and neglecting economic benefits is the main reason leading to the decline of the quality of credit assets. In the past, our country’s economic growth mainly relied on the scale expansion and overdone