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目前我国商业银行的现状不容乐观,各种不良资产占了银行资本的相当比例,直接导致商业银行的经营风险大、竞争力差。为适应世界经济的发展和日益激烈的竞争,我国商业银行,尤其是国有银行必须加紧调整措施,寻求有效的对策,解决不良贷款比率居高不下问题,创造高的资金回报率和资本充足率。因此,商业银行加强贷款管理,防范贷款风险刻不容缓。
At present, the status quo of commercial banks in our country is not optimistic. All kinds of non-performing assets account for a considerable proportion of the bank’s capital, which directly causes the commercial banks to run their businesses with high risks and poor competitiveness. In order to adapt to the development of world economy and the increasingly fierce competition, commercial banks in our country, especially state-owned banks, must step up adjustment measures and seek effective countermeasures to solve the problem of high non-performing loan ratio and create high return on capital and capital adequacy ratio. Therefore, commercial banks to strengthen loan management, prevent loan risk without delay.