金融教育研究
金融教育研究
금융교육연구
JOURNAL OF JIANGXI FINANCE COLLEGE
2011年
6期
62-67
,共6页
国有商业银行%不良贷款%社会信用环境%风险监管
國有商業銀行%不良貸款%社會信用環境%風險鑑管
국유상업은행%불량대관%사회신용배경%풍험감관
state - owned commercial banks%non - performing loans%social credit environment%risk monitoring
巨量不良贷款的存在一直是制约我国国有商业银行发展的重要因素之一。文章通过收集和整理1994年一2010年的相关数据，分析了国有商业银行不良贷款的现状，并从内部和外部两方面入手，剖析了其产生的原因。提出要推进银行内部管理制度的改革；社会各界应联手营造社会信用环境；加强风险监管和社会监督，完善行业自律体系；灵活处理不良贷款；转变政府职能，减少行政干预。
巨量不良貸款的存在一直是製約我國國有商業銀行髮展的重要因素之一。文章通過收集和整理1994年一2010年的相關數據，分析瞭國有商業銀行不良貸款的現狀，併從內部和外部兩方麵入手，剖析瞭其產生的原因。提齣要推進銀行內部管理製度的改革；社會各界應聯手營造社會信用環境；加彊風險鑑管和社會鑑督，完善行業自律體繫；靈活處理不良貸款；轉變政府職能，減少行政榦預。
거량불량대관적존재일직시제약아국국유상업은행발전적중요인소지일。문장통과수집화정리1994년일2010년적상관수거，분석료국유상업은행불량대관적현상，병종내부화외부량방면입수，부석료기산생적원인。제출요추진은행내부관리제도적개혁；사회각계응련수영조사회신용배경；가강풍험감관화사회감독，완선행업자률체계；령활처리불량대관；전변정부직능，감소행정간예。
Abstract ：The giants of non -performing loans commercial banks. Through collecting and organizing are one of the important factors restricting our state - owned relevant data from 1994 to 2010, this-paper analyzes non -per- forming loans＇ present situation of the state - owned commercial banks, and then explores the reasons of non - performing loans on the basis of both internal and external ,finally puts forward the corresponding policies and suggestions. The communities should jointly create social credit environment;enhance risk monitoring and social supervision,improve industry self - regulation system, flexibly tackle non - performing loans, transform government functions, and reduce administrative intervention.
