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本文结合宁波地区实际,对近年大型国有控股商业银行不良贷款成因,从客户和银行自身两个层面进行了深入的分析,并就基层行(城市分行、支行)信贷风险管理工作中存在的问题提出了设想与建议。
Based on the actual situation in Ningbo, this paper analyzes the causes of non-performing loans of large state-owned commercial banks in recent years and analyzes in depth the two aspects of clients and banks themselves and puts forward some problems in credit risk management of grass-roots banks (urban branches and sub-branches) Idea and suggestion.