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由于主客观多方面的原因,我国商业银行积聚了大量的不良资产,已成为银行经营与发展的沉重负担,严重威胁着银行体系和国家的经济安全。近几年,随着产权制度改革的深入和银行经营风险防范机制的不断完善,商业银行以物抵货业务迅速增加,已成为清收、压降不良资产的主要手段之一。监控和盘活银行不良资产尤其是抵贷资产,不仅直接关系到银行的经济效益、竞争能力和自我发展,而且影响到经济的正常运行和金融风险的防范。
Because of the many subjective and objective reasons, China’s commercial banks have accumulated a large amount of non-performing assets, which has become a heavy burden on the operation and development of banks, which seriously threatens the banking system and the economic security of the country. In recent years, with the deepening reform of the property rights system and the continuous improvement of the bank operation risk prevention mechanism, commercial banks have rapidly increased their demand for goods and services and have become one of the major means of liquidating and reducing non-performing assets. Monitoring and revitalizing the non-performing assets of banks, especially the credit-worth assets, are not only directly related to the bank’s economic efficiency, competitiveness and self-development, but also affect the normal operation of the economy and the prevention of financial risks.