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目前,巨额的不良贷款已经影响到商业银行的改制转型和整个金融市场的体制改革,如果不加以治理,会越来越严重,以至于制约国民经济的发展,因此如何解决不良贷款产生的问题,成为现阶段各大商业银行应该思考的重点。本文从不良贷款的现状入手,多角度分析了产生的原因,并对症下药,提出了防范不良贷款的建设性对策。贷款是商业银行的主要业务,不良贷款是各个银行都要面临的问题,不良贷款的增加会加大金融市场的系统性风险,如何降低不良贷款的比率,商业银行需要不断进行探索。
At present, a huge amount of non-performing loans have affected the restructuring and transformation of commercial banks and the institutional reform of the entire financial market. If they are not governed, they will become more and more serious so as to restrict the development of the national economy. Therefore, how to solve the problems arising from non- At this stage all major commercial banks should focus on thinking. This article starts with the status quo of non-performing loans, analyzes the causes from a multi-angle analysis and puts forward the constructive countermeasures to prevent non-performing loans. Loans are the main business of commercial banks. Non-performing loans are a problem for all banks. The increase of non-performing loans will increase the systemic risk of financial markets. How to reduce the ratio of non-performing loans, commercial banks need to continue to explore.