| 商业银行不良贷款成因的综合分析及根治措施 |
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| 引用本文： | 刘瑞波,仲香云.商业银行不良贷款成因的综合分析及根治措施[J].山东电大学报,2002(4):29-31,34. |
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| 作者姓名： | 刘瑞波 仲香云 |
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| 作者单位： | [1]山东财政学院，山东济南250014 [2]聊城市中医医院，山东聊城252095 |
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| 摘 要： | 加入WTO后，随着金融体制改革的不断深化，商业银行不良贷款问题仍将成为众所瞩目的焦点。本文首先分析了我国国有商业银行规模庞大的不良资产形成的客观与主观原因，然后从不良贷款存量和增量两方面着手，提出解决问题的有针对性的综合措施。存量盘活与增优化双管齐下，才能逐步解决商业银行的不良贷款问题。
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| 关 键 词： | 商业银行 不良贷款 成因 内控机制 外控机制 中国 |
| 文章编号： | 1008-3340(2002)04-0029-03 |
The Comprehensive Analysis of and Solutions to Defective Loans of the Commercial Banks in China |
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| Liu Rui-bo,ZHONG Xiang-yun.The Comprehensive Analysis of and Solutions to Defective Loans of the Commercial Banks in China[J].Journal of Shandong TV University,2002(4):29-31,34. |
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| Authors: | Liu Rui-bo ZHONG Xiang-yun |
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| Abstract: | After entering WTO, with the intensification of the financial system reform, the defective loans of the commercial banks will still become the focus of the public. This essay firstly analyzes the objective and subjective causes of the defective assets of China's commercial banks, and then starts with both the defective stock and the defective increment, putting forward the comprehensive solutions to these problems. Only by enlivening stock and rationalizing increment at the same time can we progressively solve the defective problems of the commercial banks. |
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| Keywords: | defective loans closed operation trusteeship internal control system external control system |
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