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不良资产对整个金融领域的影响不容忽视,数额巨大的不良资产,使得国有商业银行的资本短缺,严重影响了经济的稳定发展。而我国目前尚不完善的法律体系,对于我国商业银行不断增长的不良资产有重要的影响。因此,建立一套内外结合、全面统一的法律体系,依法确保商业银行高效经营,对于维护我国金融系统的稳健运行,促进我国商业银行健康发展有着重要的现实意义。
The impact of non-performing assets on the entire financial sector can not be ignored. The huge amount of non-performing assets causes the capital shortage of state-owned commercial banks, seriously affecting the steady economic development. At present, the imperfect legal system in our country has an important influence on the growing non-performing assets of our country’s commercial banks. Therefore, establishing a comprehensive and unified legal system both inside and outside the country and ensuring the efficient operation of commercial banks in accordance with the law has important practical significance for safeguarding the steady operation of China’s financial system and promoting the healthy development of China’s commercial banks.