不良贷款不但影响着中国银行业的中、短期盈利水平,侵蚀其资本充足率,还威胁其长期发展目标和竞争力。如果问题严重还会影响入世后中国银行业与外来同行竞争的能力,威胁中国银行业的安全、稳定、健康运行,从而成为中国信用体系巩固和发展、中国企业和经济顺利、高效成长的障碍, NPLs not only affect the short-term and medium-term profitability of Chinese banks but also erode their capital adequacy ratio and threaten their long-term development goals and competitiveness. If the problem is serious, it will also affect the ability of China’s banking industry to compete with foreign counterparts after the accession to the WTO and threaten the safe, stable and healthy operation of the banking industry in China. This will become an obstacle to the consolidation and development of China’s credit system and the smooth and efficient growth of Chinese enterprises and economy,