沉重的不良信贷资产包袱,是当前国有银行面临的一个严峻的现实问题,不仅是国有银行转轨建制,走向市场的一大难题,而且会导致国有资产流失,货币体系崩溃和金融信用危机。如何搞好清贷收息,化解不良债权,盘活资产存量,已经成为国有银行生存与发展中不可回避的研究课题。 The heavy burden of bad credit assets is a serious practical problem for state-owned banks. It is not only a major challenge for state-owned banks to transition to the market and to the market, but also leads to the loss of state assets, the collapse of the monetary system and the financial credit crisis. How to do a good job of clearing interest, clearing up bad debts and activating the stock of assets has become an unavoidable research topic in the survival and development of state-owned banks.