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自1999年国务院为解决国内银行业的巨额不良资产难题,维护金融体系的稳定,决定成立华融、东方、长城、信达四家资产管理公司分别负责收购、管理、处置四大商业银行近1.4万亿的不良资产以来,国家在治理银行不良贷款方面采取了诸多措施,社会力量在参与银行不良资产处置方面也发挥了积极的作用。但是,银行不良贷款始终没有根绝,除国内经济政策的重大调整、产业升级、经济下行等外部原因之外,应该更多地从银行业金融机构的内部查找原因。正是银行业金融机构在信贷管理制度上存在的重
Since 1999, the State Council decided to set up four asset management companies Huarong, the East, the Great Wall and Xinda to take charge of the acquisition, management and disposal of the four major commercial banks respectively, nearly 1.4 to ease the huge non-performing assets problem of the domestic banking industry and maintain the stability of the financial system. Since the one trillion of bad assets, the state has taken many measures in governing bad loans of banks, and social forces have played a positive role in participating in the disposal of non-performing loans of banks. However, the non-performing loans of banks have not been eradicated. In addition to the external reasons such as major adjustments in domestic economic policies, industrial upgrading and economic downturn, more should be found in the internal banking financial institutions. It is the banking financial institutions in the credit management system exists