国有商业银行作为我国商业银行体系的主要组成部分,对国民经济的发展发挥着重大的作用。
但是大量数额巨大的不良资产,使得国有商业银行的资本短缺,严重影响了国有资本的合理有效利用和经济的稳定发展，造成国有资本的大量流失，威胁我国金融体系的安全，阻碍经济可持续发展。本文旨在分析国有商业银行金融不良资产的法律成因，指明目前我国法律在该领域的缺陷与不足，完善政策法律法规。以目前的经济危机为契机，确立国有商业银行不良资产防范的科学理念,构建科学的风险防范法律体系，从法律上建立长效的防范机制具有很强的紧迫性和现实性。
关键词：不良资产 法律成因 法律防范对策
As the main component part of the commercial bank system,national banks have a profound influence on the development of the national economy.but the large amount of un-performing assets,make the national banks in capital-shortness,severly affect the national capital,threathen our finance system,impede the sustainable development of our economy. This article is trying to analyze the legal cause of un-performing assets,point out that our law’s flaw and shortage in this territory,in order to improve our policies and regulations. To the present economic crisis as an opportunity, establish the scientific notion of legal countermeasures,build the scientific risk provention system.All that have srong urgency and reality to our finance.
Key words: un-performing assets, legal cause, legal countermeasures
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