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本研究论述我国国有商业银行监管的现状及其存在问题,分析国有商业银行不良资产的成因,针对部分国有企业经营不善债务沉重,指出国有商业银行由于自身经营不力及资产管理不当等不良因素存在的问题,提出防范不良资产的迫切要求,以健全法律体制建设来防范我国商业银行不良资产的相应对策,力争在最短时间内降低国有商业银行的不良贷款率,以适应国际不断加剧的银行业竞争的新形势。
This study discusses the status quo of the state-owned commercial banks supervision and its existing problems, analyzes the causes of the non-performing assets of the state-owned commercial banks, points out the heavy debts of some state-owned enterprises in poor management, points out the existence of the state-owned commercial banks due to their poor management and improper assets management Issues, put forward the urgent request to prevent non-performing assets, to improve the legal system to prevent the non-performing assets of China’s commercial banks countermeasures, and strive to reduce the state-owned commercial banks in the shortest period of non-performing loan ratio to meet the growing international banking competition New trend.