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长期以来,国有商业银行在支持国民经济发展的同时,由于多种原因积聚形成了一定比例的不良资产。致使银行的经营利润受到影响,降低其抗风险的能力。虽然1999年下半年开始,国家实施债转股、剥离不良资产、完善信贷管理及强化风险控制等措施,压缩了相当数量的不良贷款,实现了不良贷款净下降,但不良资产占比仍然较高。控制和降低不良贷款,是银行一项长期的任务。一、不良贷款形成的原因我行不良贷款形成原因是多方面的,既有地方行政干预、企业经营
For a long time, state-owned commercial banks accumulated a certain proportion of non-performing assets due to various reasons while supporting the development of the national economy. As a result, the bank’s operating profit is affected and its anti-risk ability is reduced. Although the state started to implement debt-equity swap, divest non-performing assets, improve credit management and strengthen risk control measures in the second half of 1999, a considerable amount of non-performing loans were reduced and net non-performing loans declined, but the proportion of non-performing loans was still high . Control and reduce non-performing loans is a long-term task of the bank. First, the reasons for the formation of non-performing loans Bank of our non-performing loans are formed for many reasons, both local administrative intervention, business management