国有商业银行长期以来不断积聚的巨额不良资产已经成为严重威胁国家金融安全的巨大隐患。这其中的原因是多方面的,既有银行贷款业务程序控制不严的问题,也有银行内部体制不健全的问题,此外,还有外部综合环境的制约问题。这些因素相互交织、渗透在一起,使得国有商业银行非正常不良贷款这一顽疾久治难愈。因此,在解决这一问题时,我们需要运用综合的法律措施,从放贷程序的风险控制、银行运行体制和外部环境的改善等 The large amount of non-performing assets accumulated by state-owned commercial banks for a long time has become a huge risk that seriously threatens the country’s financial security. There are many reasons for this. There are both the problem of poorly controlled procedures for bank loans and the unsoundness of the internal banking system. In addition, there are constraints on the external comprehensive environment. These factors are intertwined and permeated with each other, making the chronic failure of state-owned commercial banks abnormal nonperforming loans difficult to cure. Therefore, in resolving this issue, we need to apply comprehensive legal measures, from the risk control of the lending procedures, the banking system and the improvement of the external environment