贷款质量低下，是当前我国国有商业银行经营中面临的一个突出问题。如不尽快解决，将会影响银行自身的运营和国民经济的发展。一、银行贷款质量低下成因（－）来自银行方面的成因。1．银行不能自主经营。长期以来，一些地方政府因盲目追求地方经济的高增长，不顾企业效益低下的 The low quality of loans is a prominent issue facing the operation of state-owned commercial banks in our country at present. If not resolved as soon as possible, will affect the bank’s own operations and national economic development. First, the causes of low quality of bank loans (-) from the bank’s causes. 1. Banks can not operate independently. For a long time, some local governments, blindly pursuing the high growth of the local economy and ignoring the inefficiency of the enterprises