摘要
目前我国商业银行普遍存在比例较高的呆、坏账和逾期贷款等不良资产问题,如何处理大量的银行不良资产一直是困扰中国银行业的难题。如果不能正确解决不良资产问题,会严重地阻碍国有商业银行的改革步伐,削弱我国商业银行的竞争力,同时也不利于中国经济的快速发展。本文分析了我国国有商业银行不良资产的成因及其带来的各种风险和弊端,在此基础上提出了相应的对策建议。
State-owned commercial banks have non-performing asset(NPA) problems prevalently,such as bad debts,doubtful accounts and overdue loans.How to deal with large numbers of NPA is always a puzzle to Chinese banking.If we can't deal with them correctly,it will counteract the reform of state-owned commercial banks,weaken their competitiveness and go ill with the quick development of Chinese economy.This paper analyzes the causes of NPA in state-owned commercial banks as well as its risks and abuses,puts forward countermeasures on the basis of them.
出处
《长春大学学报》
2007年第11期1-3,共3页
Journal of Changchun University
关键词
不良资产
不良贷款
成因
对策
non-performing asset
non-performing loan
cause
countermeasures
