国有商业银行不良贷款占比高、绝对额大 ,已成为与国际大商业银行竞争的桎梏。只有采取分层次股份化 ,完善法人治理结构 ;适应市场经济体制要求 ,建立不良债权交易市场 ;转变国有资产管理公司职能 ,政策性和商业性措施同时运作 ;加强刑事立法并设立金融法院 ,整顿治理司法环境和信用环境等措施 ,方能快速降低不良贷款。否则 ,将重新出现反弹和攀升 ,其负面影响不言而喻。 The non-performing loans of state-owned commercial banks account for a relatively large amount of absolute loans and have become a rivalry with international commercial banks. Only by adopting the method of stratified subordination and perfecting the corporate governance structure, it can adapt to the requirements of the market economy system, establish the market of bad debts, change the functions of state-owned asset management companies and make simultaneous operation of policy and commercial measures, strengthen criminal legislation and set up financial courts, Judicial environment and credit environment and other measures to quickly reduce the non-performing loans. Otherwise, there will be a rebound and a rise again, the negative impact of which is self-evident.