| 国有商业银行不良贷款的形成原因及解决对策 |
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| 引用本文： | 衷诚斌,张德鹏.国有商业银行不良贷款的形成原因及解决对策[J].江西金融职工大学学报,2011,24(6):62-67. |
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| 作者姓名： | 衷诚斌 张德鹏 |
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| 作者单位： | 1. 中国建设银行广州天河分行,广东广州,510630
2. 广东工业大学管理学院,广东广州,510520 |
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| 摘 要： | 巨量不良贷款的存在一直是制约我国国有商业银行发展的重要因素之一。文章通过收集和整理1994年一2010年的相关数据，分析了国有商业银行不良贷款的现状，并从内部和外部两方面入手，剖析了其产生的原因。提出要推进银行内部管理制度的改革；社会各界应联手营造社会信用环境；加强风险监管和社会监督，完善行业自律体系；灵活处理不良贷款；转变政府职能，减少行政干预。
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| 关 键 词： | 国有商业银行 不良贷款 社会信用环境 风险监管 |
The Reasons and Solutions of the State-Owned Commercial Banks' Non-Performing Loans |
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| ZHONG Chengbin,ZHANG Depeng.The Reasons and Solutions of the State-Owned Commercial Banks' Non-Performing Loans[J].Journal of Jiangxi Finance College,2011,24(6):62-67. |
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| Authors: | ZHONG Chengbin ZHANG Depeng |
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| Institution: | ZHONG Chengbin,ZHANG Depeng(1.Guangzhou Tianhe Branch,China Construction Bank,Guangzhou,Guangdong 510630,China,2.School of Management,Guangdong University of Technology,Guangdong510520,China) |
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| Abstract: | The giants of non-performing loans are one of the important factors restricting our state-owned commercial banks.Through collecting and organizing relevant data from 1994 to 2010,this paper analyzes non-performing loans' present situation of the state-owned commercial banks,and then explores the reasons of non-performing loans on the basis of both internal and external,finally puts forward the corresponding policies and suggestions.The communities should jointly create social credit environment;enhance risk... |
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| Keywords: | state-owned commercial banks non-performing loans social credit environment risk monitoring |
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