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近年来 ,我国国有商业银行的不良贷款呈现增速快、存量大的趋势 ,成为金融危机发生的重要根源之一。商业银行不良贷款的形成 ,既有银行自身的因素 ,也有银行外部因素 ,有历史因素 ,也有改革过程缓慢和市场能量释放的问题。通过建立资产管理公司 ,不能完全化解不良贷款产生的基础 ,还必须通过深化银行内部改革 ,营造外部市场经营环境 ,加强中央宏观调控等措施 ,防范和化解国有商业银行不良贷款进一步增加 ,减少金融风险产生的压力。
In recent years, the non-performing loans of China’s state-owned commercial banks have shown a trend of rapid growth and large stock, becoming one of the important causes of the financial crisis. The formation of nonperforming loans of commercial banks is not only the bank’s own factor, but also the bank’s external factors, with historical factors, as well as the slow reform process and the market energy release. Through the establishment of asset management companies, the foundation for NPL formation can not be completely resolved. Measures such as deepening the internal reform of banks, creating a business environment for external markets and strengthening macro control by the central authorities must also be taken to prevent and resolve the further increase of non-performing loans of state-owned commercial banks and the reduction of financial risks Pressure generated.