一、四家国有独资商业银行各自组建金融资产管理公司、剥离不良资产后，面临的首要课题将是：如何及时调整信贷体制，防范增量风险中国金融业未来能否平稳运行并实现可持续发展，这一问题的焦点集中于如何看待四家国有商业银行不良资产发展状况、如何改善其资产质量。无论从数 First, the four wholly state-owned commercial banks each set up a financial asset management company, the stripping of non-performing assets, the primary issue will be: how to promptly adjust the credit system to prevent incremental risks China’s financial industry will run smoothly and achieve sustainable development , The focus of this issue is on how to view the state of the non-performing assets of the four state-owned commercial banks and how to improve their asset quality. No matter from the number