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国有商业银行是我国银行业的主体,在国家经济资源配置和支付系统运转中处于十分重要的地位。目前我国国有商业银行面临的一大难题就是不良贷款问题,不良贷款问题长期阻碍着国有商业银行的改革步伐,并加大了商业银行的经营风险。本文根据我国国有商业银行的现状,分析了国有商业银行不良贷款形成的原因,并且针对国有商业银行不良贷款的防范和化解提出了应对策略。
State-owned commercial banks are the main body of China’s banking industry and are in a very important position in the operation of the national economic resources allocation and payment system. At present, one of the major problems facing state-owned commercial banks in our country is the problem of non-performing loans. The problem of non-performing loans has long hindered the reform of state-owned commercial banks and increased the operational risks of commercial banks. Based on the status quo of state-owned commercial banks in our country, this paper analyzes the reasons for the formation of non-performing loans of state-owned commercial banks and puts forward countermeasures to prevent and resolve the non-performing loans of state-owned commercial banks.