当前，商业银行对自身的不良资产开展了声势浩大的多种形式的清收盘活活动，尽管有些效果，但不尽人意，不良资产仍有增长的态势。本文就现行信贷经营政策的“二配机制”与市场经济的“二重”调节不相适应等问题作一些研究。银行形成不良资产的主要成因是信贷政策的“二配机制 At present, commercial banks carry out massive and varied forms of liquidation and liquidation activities on their own non-performing assets. Despite some effects, commercial banks are still unsatisfactory and non-performing assets are still growing. This article makes some researches on the existing problems of the “two matching mechanism” of credit management policy and the “double” regulation of market economy. The main reason for banks to form nonperforming assets is the “two matching mechanism” of credit policies