我国国有商业银行不良贷款问题研究.pdf

Abstract At the end of 2001, bad assets in all of the financial institutions of our country are roughly about three thousand billion RMB, about 25 per cent of the total amount of the loan remained. Among them, the state-owned commercial banks own 1765 billion RMB, about more than the 60% of all the bad properties, and 18.4% of the GDP. Such a huge amount of bad properties remained already directly menaces the financial stability of our nation. In may 2002, financial times of Britain and other international financial institution published the research papers about the Chinese banking industry and alerted the present condition of bad loan in china. They think that the greatest risk, at present, of Chinese banking industry is the large quantity of bad loan. If fail to handle, the cost of economic reformation of china will swallow the fruit of it. They think that although China has avoided the impact in the financial crisis in East Asia and kept increment with high speed comparatively, the prime honor attributes to the specially economic advantage china owned during the period of the burst of financial crisis, such as the surplus of the current account, the controlled position of foreign direct investment in capital incursion of china, the very large amount of foreign exchange and the direct control of capital account and so on; all this cannot mean the Chinese banking industry is running steadily nor is in the good condition the property condition. The property quantity is the Life Line of commercial bank. Because of the impact of the historic reason of economic régime and the slowness of reformation of financial system etc., the rate of bad loan of the state-owned commercial bank of our country is at a higher level than that of developed countries. Under the new e