摘要
国有独资商业银行是我国银行业的主体,在加入WTO的大背景下,其巨额不良资产的存在是国家金融安全的隐患。从我国四大国有商业银行不良资产的现状出发,分析了其形成的原因,最后提出了充分发挥资产管理公司的作用,推动国有商业银行和国有企业的改革,健全金融监管体系等6项化解和防范国有商业银行不良资产的具体措施。
The state - owned and exclusively invested commercial banks are the main body of our country＇s banking. Under the background of the accession to WTO, their huge bad loans are the hidden danger of our national financial security. In this article, starting from the current status of four state - owned commercial banks, we make a deep economic analysis on the causes why bad loans took shape. In the end, we put forward six countermeasures in order to dealing with the bad loans, such as giving full play to AMC＇ s function, spurring the reform of the state - owned commercial banks and state - owned enterprises, strengtening financial regulatory system, and so on.
