不良贷款处置是商业银行经营过程中的一大难题,如何创新清收方式,最大限度地减少贷款损失,是商业银行亟待研究和解决的现实问题。如果引入非金融机构企业之间债务重组方式,在银行与企业之间也开展债务重组,对于化解不良贷款、防范不良贷款反弹应该是有帮助的。为此,笔者作了一点粗浅探索,以期抛砖引玉。 Disposal of non-performing loans is a major problem in commercial banks’ operation. How to innovate the ways of collecting funds and minimize the loan losses is a real problem that commercial banks need to study and solve urgently. Debt restructuring between banks and enterprises should also be carried out if debt restructuring is introduced among non-financial institutions and enterprises, which should be helpful in resolving non-performing loans and preventing the rebound of non-performing loans. To this end, the author made a little superficial exploration, with a view to initiate.