经济大环境不景气、信贷资产质量不高，是目前影响我国国有商业银行正常运转与持续发展的重要因素；政府、国企、银行、社会公众之间盘根错节的债务链则成为束缚中国经济走出困境的枷锁。本文试图从剖析不良资产的成因出发，比较各种解决问题途径的利弊得失，以求为有效地治理 The downturn in the economic environment and the poor quality of credit assets are the major factors affecting the normal operation and sustainable development of China’s state-owned commercial banks. Debt chains between governments, state-owned enterprises, banks and the public have become the mainstay of China’s economy getting out of the woods shackles. This article attempts to analyze the causes of nonperforming assets, compare the pros and cons of various ways to solve the problems in order to effectively govern