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我国商业银行仍然受到了大量坏账及不良资产的困扰,如何处理大量的银行贷款一直是困扰中国银行业的难题。本文从分析我国商业银行不良贷款的现状入手,阐述了产生不良贷款的宏观原因及微观原因,并针对导致不良贷款的原因深入探索,重点提出化解不良贷款的可行策略。
China’s commercial banks are still plagued by a large amount of bad debts and bad assets. How to handle a large amount of bank loans has always been a problem that plagued the Chinese banking industry. This article begins with the analysis of the status quo of non-performing loans in China’s commercial banks, elaborates the macro and non-performing causes of non-performing loans, and probes into the causes of the non-performing loans. The feasible strategies for resolving non-performing loans are put forward.