商业银行新增不良贷款的成因及防范措施（Causes and preventive measures of new bad loans in commercial banks）.docVIP

商业银行新增不良贷款的成因及防范措施（Causes and preventive measures of new bad loans in commercial banks） The financial assets of commercial banks are mainly loans. The loan quality is not only related to the commercial banks operating efficiency and the survival and development, but also related to the national economic development and social stability, it is more important to the whole country and even the global financial safety. The non-performing loans of commercial banks in China can be divided into two parts, old and new, old refers to the formation of non-performing loans in the period of planned economy and a planned commodity economy period of the government to stabilize the economy order and the formation of bank loans; new non-performing loans refers to in the reform of the financial system in the market economy after. In recent years, non-performing loans through debt equity swap and stripping to Asset Management Co and other ways to resolve, but the old bad loans are not completely resolved, the new non-performing loans are increasing, the latent huge financial risk. At present, the proportion of non-performing loans is still the most prominent commercial banks operating problems, can not help but worry. How to guard against new non-performing loans to resolve financial risks is an urgent problem in the development of the market economy, which should be paid more attention by the government and extensive attention of the society. First, the analysis of the causes of new non-performing loans As everyone knows, the planned economy period, due to the presence of government, bank business policy and operational activities are not divided, banks bear the second financial functions and other issues, many bank loans are not in the system of the bank payment, but according to the instructions of the government or the plan to issue, even in the presence of instalment credit points phenomenon, the reason of bad loans the main objective reasons are. With the deepening and the sepa