目前,我国四大国有商业银行不良资产比例仍远远高于国外大型商业银行的不良资产比率,就是与国内新型股份制商业银行相比也有较大的差距。因此,提高资产质量、降低不良资产比例已成为国有商业银行十分紧迫而又艰巨的重大任务。 国有商业银行信贷资产质量现状 有关专家估计,到1997年国有商业银行不良贷款占总贷款的比重大约在 At present, the proportion of non-performing assets of the four state-owned commercial banks in China is still far higher than that of non-performing assets of large commercial banks in foreign countries, which is also a big gap compared with the new joint-stock commercial banks in China. Therefore, improving the quality of assets and reducing the proportion of non-performing assets has become a very urgent and arduous task for state-owned commercial banks. State-owned commercial banks credit asset quality status Experts estimate that by the state-owned commercial banks in non-performing loans accounted for about the proportion of total loans in