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维护金融系统的稳定一直是我国政府宏观经济政策的一个重要目标,维护金融系统稳定的一个关键任务就是要控制国有商业银行的经营风险,而不良贷款正是商业银行的主要经营风险所在。据资料显示,我国商业银行系统目前不良贷款率不断攀升,涉及资产数额较大,已经成为我国商业银行稳定运营的拦路虎。因此,正确认识和分析我国国有商业银行不良贷款的现状和成因,并采取有效措施化解不良贷款,对我国经济体制改革,国有商业银行改革,金融体系的稳定具有重要意义。
Maintaining the stability of the financial system has always been an important goal of the government’s macroeconomic policy. One of the key tasks for maintaining the stability of the financial system is to control the operational risks of the state-owned commercial banks. NPLs are the major business risks of commercial banks. According to statistics, the current non-performing loan ratio of China’s commercial banking system is constantly rising, involving a large amount of assets and has become a stumbling block to the stable operation of commercial banks in China. Therefore, it is of great significance to correctly understand and analyze the status quo and causes of non-performing loans of state-owned commercial banks in our country and to take effective measures to resolve the non-performing loans, which will be of great significance to the reform of our economic system, the reform of state-owned commercial banks and the stability of the financial system.