浅谈国有商业银行不良资产问题

银行在不断经营的过程中，出现了一个不容忽视的问题——不良资产问题。长期以来，这一问题一直困扰着银行业，成为导致银行经营失败的主要原因。我国加入WTO后，中国银行业面临的主要问题就是如何降低其不良资产率。现以四大国有商业银行不良资产为例，用数据说明四大银行不良资产的现状及降低或减少不良资产的一些对策。

Bad Loan in National Commercial Bank

During the operation process of bank continuously, an important question bad assets emerges. For a long time, this question, which has been puzzling the international bank, becomes the main cause of the failure of bank operation. After China entering the WTO, one of the main questions which the Chinese banking faces to now is how to reduce had assets. Because it is in relation to the development of existence quality and social economy.