關(guān)于我國(guó)銀行不良信貸資產(chǎn)的文獻(xiàn)綜述


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關(guān)于我國(guó)銀行不良信貸資產(chǎn)的文獻(xiàn)綜述

摘要：金融風(fēng)險(xiǎn)的陰影已經(jīng)愈來(lái)愈重，一旦外資銀行分流我國(guó)銀行新的儲(chǔ)蓄存款，國(guó)有銀行不再擁有稀釋其不良資產(chǎn)的手段，將可能誘發(fā)金融危機(jī)。國(guó)有商業(yè)銀行的不良資產(chǎn)，不僅降低了資產(chǎn)盈利性、安全性和流動(dòng)性，成為橫亙?cè)谥亟M上市之路上的巨大屏障，而且，隨著外資銀行涌入，股份制銀行迅猛擴(kuò)張，非銀行金融機(jī)構(gòu)不斷進(jìn)行金融創(chuàng)新，國(guó)有商業(yè)銀行的生存空間受到威脅，使得不良資產(chǎn)引爆經(jīng)濟(jì)社會(huì)問(wèn)題的可能性逐漸增大。能對(duì)中國(guó)經(jīng)濟(jì)安全產(chǎn)生最大威脅的-----是由銀行壞帳形成的金融隱患?？焖儆行幹脟?guó)有銀行的不良資產(chǎn)，是我國(guó)金融改革和發(fā)展面臨的一個(gè)緊迫問(wèn)題，也是各家專業(yè)銀行一直研究的一個(gè)難點(diǎn)課題。
Abstract: The shade of financial risks has been already heavier and heavier, once the foreign capitals bank shunts the new savings account of bank of our country, the state-run bank has means to dilute its non-performing assets no longer, may bring out the financial crisis. The non-performing assets of the state-run commercial bank, has not merely reduced the profitability of the assets , security and mobility, becoming the enormous protective screen lying across in recombinating the lis