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本文结合国有商业银行处理不良贷款工作的实际,以及商业银行实际的财务成果,参照发达国家商业银行的一些指标,选择了不良贷款治理诸因素的区间,证明在目前的环境下仅靠银行治理不良贷款,对银行来说要求很高。笔者认为,在我国向外资金融机构全面开放之前,解决不良贷款问题的目标是要在党中央、国务院的统一领导下,政府、银行、企业共同努力,运用各方面的资源,从银行法人治理结构、社会信用、政府支持、市场创新诸方面综合治理,为治理不良贷款提供一个良好的环境支持。
Based on the actual state of non-performing loans (NPLs) of state-owned commercial banks and the actual financial results of commercial banks, this paper chooses some indicators of NPLs in reference to some indicators of commercial banks in developed countries, and proves that in the current environment, Loans, banks are demanding. The author believes that before China’s full liberalization of foreign financial institutions, the goal of resolving the problem of non-performing loans is to work together under the unified leadership of the Party Central Committee and the State Council in using all aspects of resources and from the perspective of the bank’s corporate governance structure , Social credit, government support, market innovation and other aspects of comprehensive management, to provide a good environmental support for the management of non-performing loans.