银行不良贷款是经济生活中长期积累下来的多方面、深层次矛盾的综合反应,在处置过程中遇到来自各个方面的困难和阻力。分析银行不良贷款处置中的难点,努力探寻“清收专业化、手段多样化、方式社会化”的有效措施,加快不良资产处置机制和资产保全手段的步伐,促进银行业稳健发展。 The non-performing loans of banks are the comprehensive response to the many-sided and deep-seated contradictions accumulated in the long-term economic life. They encounter difficulties and resistance from all aspects during the disposal process. Analyze the difficulties in the disposal of non-performing loans of banks, strive to find effective measures to “clean up specialization, diversify means and socialize means”, speed up the pace of non-performing assets disposal and asset preservation and promote the steady development of the banking industry.