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“解决不良贷款问题是新世纪国有商业银行面临的一大难题。借鉴国外处置不良贷款的通常做法,我国成立了专门处理不良贷款的四大资产管理公司,并剥离了四大国有商业银行的不良贷款。由于剥离不彻底,事实上四家国有商业银行不良贷款占比仍很高,达26.62%”。(戴相龙,2001年11月)对农行绝大多数分支行而言,不良贷款占比已远远超过自身的风险承受力和财务承受力。但是,从银行发展的战略出发,现在的不良贷款并不可怕,关键在于尽最大努力减少新的不良贷款产生,并对业已形成的不良贷款采取有效对策逐步盘活。
"Solving the problem of non-performing loans is a big challenge for the state-owned commercial banks in the new century. Drawing on the usual practice of dealing with non-performing loans abroad, China has set up four asset management companies that specialize in dealing with non-performing loans and has divest the four state-owned commercial banks Due to the incomplete stripping, the non-performing loans of the four state-owned commercial banks still account for 26.62% of the total non-performing loans. (Dai Xianglong, November 2001) For the vast majority of ABC branches, the proportion of non-performing loans has far exceeded their own risk tolerance and financial affordability. However, starting from the bank’s development strategy, the current non-performing loans are not terrible. The key is to do their utmost to reduce the generation of new non-performing loans and take effective measures to stabilize the non-performing loans that have already been formed.