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我国金融风险潜在因素主要表现在国有商业银行的大量不良贷款上面。正确分析国有商业银行不良贷款的现状、危害和成因，并采取有效的防范措施，对于从整体上防范和化解金融风险具有重要意义。一、国有商业银行不良贷款的现状及危害不良贷款，一般指到期不能收回本息的贷款...
The potential risk factors of China’s financial crisis are mainly manifested in a large number of non-performing loans of state-owned commercial banks. Correctly analyzing the status quo, harms and causes of nonperforming loans of state-owned commercial banks and adopting effective precautionary measures are of great significance for preventing and resolving financial risks as a whole. First, the state-owned commercial banks and the status of non-performing loans and non-performing loans, generally refers to the maturity can not recover the principal and interest loans ...