目前,我国银行不良信贷资产越积越多,其消化工作的难度也越来越大。虽然各家银行都高度重视这项工作,但在基层经办行仍有不少领导和经办人员不能辩证地认识和把握银行不良资产本身不断运动、变化的发展规律。因此,在实际操作中易出现两个极端:一是急于求成,大量收回低质无息实物资产,把处理破烂的风险归集于银行;二是面对大量的不良信贷资产将失去法律的保护时徘徊观望导致其债权悬空。如果让这两个极端任其发展,银行消化不良信贷资产的工作将会陷入自食其果的境地。 At present, the non-performing loans of our banks accumulate more and more, and the difficulty of digesting them is also growing. Although all banks attach great importance to this work, there are still many leaders and managers at grassroots level that can not dialectically understand and grasp the law of development of the continual movement and changes in the non-performing assets of banks. Therefore, there are two extremes that are easy to emerge in practice: one is to rush for success, the other is to recover a large amount of low-interest-free and tangible assets and put the risk of dealing with rags in bank; and the other is to face a large number of bad credit assets that will lose their legal Waiting to see when the protection led to the suspension of its claims. If these two extremes are allowed to develop, the work of banks to dysfunctional credit assets will fall into their own basket.