近几年,我国主要商业银行不良贷款绝对额居高不下,严重削弱了其盈利能力和抗风险能力,对我国金融安全和经济稳定发展构成了很大威胁,成为制约我国商业银行在新世纪竞争与发展的关键因素之一。深入分析不良贷款形成原因,积极寻找防范和化解对策,是各商业银行必须正视的重大课题。 In recent years, the absolute amount of non-performing loans of major commercial banks in our country has remained at a high level, which has seriously weakened its profitability and risk-resistance capabilities. This poses a great threat to China’s financial security and economic stability and has become a major constraint to the competition of commercial banks in our country in the new century And one of the key elements of development. In-depth analysis of the reasons for the formation of non-performing loans, and actively looking for precautionary measures and resolving measures, all commercial banks must face a major issue.