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对于任何阶段发展而言,金融是每个发展阶段的发展核心,其中,就包括现阶段。对于银行而言,其生命线则是资产质量。近几年,我国国有商业银行的发展现状主要是不良贷款现象严重,严重的阻碍了我国商业银行的发展,对于我国经济体制的完善有一定的影响,除此之外,该现象可能促使金融危机的发生,基于此,本文就国有商业银行不良贷款的处置和监管进行分析,希望能够有一定的帮助。
For any phase of development, finance is at the heart of each phase of development, including the current phase. For banks, the lifeline is the quality of their assets. In recent years, the status quo of the development of China’s state-owned commercial banks is mainly the serious non-performing loans, a serious impediment to the development of China’s commercial banks, which has an impact on the improvement of China’s economic system. In addition, this phenomenon may prompt the financial crisis Based on this, this paper analyzes the disposal and supervision of non-performing loans of state-owned commercial banks, hoping it will help to some extent.