统计研究 ›› 2010, Vol. 27 ›› Issue (8): 96-98.

• 论文 • 上一篇    下一篇

浅析我国国有商业银行 不良资产形成的原因及对策

郭婧洲   

  • 收稿日期:1900-01-01 修回日期:1900-01-01 出版日期:2010-08-15 发布日期:2010-08-15

The Analysis about Bad Assets of State-owned commercial banks of China

Guo Jingzhou   

  • Received:1900-01-01 Revised:1900-01-01 Online:2010-08-15 Published:2010-08-15

摘要: 我国国有商业银行不良资产和不良资产率都在下降,但主要是受政府干预和主导,而不良资产的化解更需依靠金融市场。本文探讨了我国国有商业银行不良资产形成原因,既有国有银行自身的原因,也有政府干预的因素,同时受社会信用环境、金融监管等因素影响,并探寻了防范和解决不良资产的对策。

关键词: 商业银行, 不良资产, 内部控制, 资产证券化

Abstract: This paper discusses the causes of the state-owned commercial banks bad assets, which include the state-owned banks’ own reasons, government intervention, credit environment, financial regulation and so on, then searches the measures of preventing and resolving bad assets.

Key words: The, State-owned, Commercial, Bank, Bad, Assets, Internal, Control, Asset, Backed, Securitization