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由于我国商业银行不良贷款的产生有着其特殊的历史背景,银行业现有的信贷风险控制机制存在种种缺陷,因此中国国有商业银行的不良贷款防控必须结合中国国有商业银行的实际情况。基于这种考虑,本文先详细论述了国有商业银行不良贷款的危害和成因,在借鉴国际经验的基础上,结合我国实际提出了处理我国国有商业银行不良贷款存量、预防不良贷款增量的措施。
Because of the special historical background of the non-performing loans of commercial banks in our country and the existing credit risk control mechanism in the banking industry, there are some shortcomings. Therefore, the non-performing loan prevention and control of China’s state-owned commercial banks must be combined with the actual conditions of China’s state-owned commercial banks. Based on this consideration, this article first elaborates on the harm and causes of non-performing loans of state-owned commercial banks. On the basis of referring to international experience and combining with the reality of our country, this article puts forward measures to deal with the non-performing loans of state-owned commercial banks in China and prevent the increase of non-performing loans.