欧洲银行业不良贷款激增是国际金融危机和欧洲主权债务危机的遗留问题。由于不良贷款增加对于经济增长和金融稳定影响巨大,近两年欧盟和各成员国加大了银行业监管力度,在降低不良贷款率方面取得了明显成效,降低了银行业的系统性风险。欧洲银行业不良贷款及其处置现状欧洲银行业不良贷款问题突出。根据IMF的统计数据,2007年欧元区平均不良 The surge in non-performing loans in European banking is a legacy of the international financial crisis and the sovereign debt crisis in Europe. As non-performing loans have a huge impact on economic growth and financial stability, the European Union and member states have stepped up banking supervision over the past two years and have achieved remarkable results in reducing the non-performing loan ratio and reduced their systemic risk. The Current Situation of NPLs and Disposal in European Banks The problem of NPLs in European banks is outstanding. According to IMF statistics, the euro zone in 2007 was in poor condition