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浅析我国国有商业银行不良贷款的成因及对策


全文字数:17000字左右  原创时间:<=2022年

【内容摘要】

浅析我国国有商业银行不良贷款的成因及对策


浅析我国国有商业银行不良贷款的成因及对策
摘要

商业银行的发展在我国经济发展中占有举足轻重的地位。近年来,我国商业银行不良贷款得到了一定程度上的解决,不良贷款率大大下降,但新的不良贷款却有增无减,潜伏着巨大的金融风险。如何防范新增不良贷款以化解金融风险,是国有商业银行发展中亟待解决的问题。本文对我国国有商业银行不良贷款新增的基本状况作出分析。指出了国有商业银行不良贷款新增的形成原因,其中包括政府行为因素,银行自身的体制与管理因素,企业因素,以及社会信用观念因素等多方面因素使得新增不良贷款的发生。最后指出了化解新增不良贷款的有效途径:规范政府行为,建立并完善银行信贷内部控制制度,建立健全的社会信用体系,完善银行信贷风险管理法律法规等相关措施。
【关键词】国有商业银行 不良贷款  成因  对策    
A discussion on the causes and countermeasures of bad loans of China's commercial banks

Abstract
Development of commercial banks in China's economic development plays a decisive role. In recent years, China's commercial banks to non-performing loans to a certain extent, the solution of non-performing loan ratio declined significantly, but the new non-performing loans are increasing, lurking huge financial risk. How to prevent new bad loans in order to reduce financial risks, the development of state-owned commercial banks, problems to be solved. In this paper, non-performing loans of state-owned commercial banks, the basic state of the new analysis. Pointed out the bad loans of state-owned commercial banks, the formation of new reasons, including government behavior factors, the bank's own system and management factors, business factors, and the concept of social credit factors and other factors make the occurrence of new nonperforming loans. At last, the new non-performing loans to defuse an effective way: regulating government acts, bank credit to establish and improve internal control system, establish a sound social credit system, improve credit risk management laws and regulations and other related measures.
【Key words】State-owned commercial banks   Non-performing loans  Causes  Strategy

 

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