金融不良资产面临新问题我国商业银行不良贷款余额和不良率自2011年第三季度起,已经连续20个季度持续上升。我国商业银行不良贷款余额从4078亿元至1493g亿元.增长了一万亿。不良率从0.9%增长到1.76%,接近翻一番。金融不良资产主要来自于银行贷款,目前我国的贷款主要分为正常、关注、次级、可疑及损失五类,这其中次级贷款指贷款能力出现明 Financial Non-performing Assets Face New Problems Since the third quarter of 2011, the balance of nonperforming loans and non-performing loans of commercial banks in China have been rising continuously for 20 consecutive quarters. The non-performing loan balance of commercial banks in our country increased from 407.8 billion yuan to 1493.9 billion yuan, an increase of one trillion yuan. NPL ratio increased from 0.9% to 1.76%, nearly doubled. Financial non-performing assets mainly come from bank loans. At present, China’s loans are mainly divided into five categories: normal, concerned, subordinate, suspicious and loss. Among them, sub-prime loans refer to the ability to lend