我国国有商业银行不良资产的成因分析及处置建

我国国有商业银行不良资产的成因分析及处置建议
 
摘要：我国加入世贸组织后，金融市场将逐步对外开放。外国银行将凭借其资本，服务，品种等优势对我国金融市场带来极大的冲击，而我国国有商业银行已存在的不良资产严重阻碍了银行的改革进程。本文对国有商业银行不良资产形成原因进行分析，包括法律制度不健全，政府不恰当干预，企业效益低下等外部原因和国有商业银行自身经营管理等内部原因及体制原因等，随后提出处置我国国有商业银行不良资产的建议，以期解决我国国有商业银行不良资产问题，促进我国经济与金融的健康发展。

关键词：国有商业银行；不良资产；成因分析

Analysis of the Cause and Suggestion of Disposal of Bad Assets of State-owned Commercial Bank of Our Country
 
Abstract: Financial market had been open to the world gradually after china’s entry into WTO。Relying on advantages of capital，service，variety and so on，foreign banks bring big shock to the financial market of our country。However， the big sum of bad assets of state-owned commercial banks causes bad effect on the reforming process of bank industry seriously at present。I will mainly analyze the cause of bad assets of state-owned commercial banks in the thesis。The cause includes the external ones of non-perfect of law and system and improper intervention of government and low economic returns of enterprises and the internal cause of bad self-management of banks and etc，and then I would like to propose my humble suggestion of disposal of bad assets of state-owned commercial banks with the hope of solving the problem of bad assets and promoting the healthy development of our country’ economy and finance。