Our Countrary State-Owned Commercial Bank Not Good Property Study

Along with our country joining into WTO and implementation of finance opening to the outside world, the domestic banking industry facing the international competition is day by day intense. The urgent need is to take the positive measure, in order to effective address bank not good property question.From the dialectical angle, the modern commercial bank at the producing date has the management and the risk contradiction. It can be said, so long as the bank has the asset operation, certainly has the not good property, also has the loan graduation between the banks, has the control risk and the guard risk question. The bank not good property question various countries all has, the difference lies in the guard and melt ability to the not good property.Our country commercial bank accumulating the massive not good properties, are banking industry's main risks, also restricts the banking industry system transform, and has formed huge financial hidden danger in the national economy development, is the difficulty of deepening theeconomical reform. Commercial bank not good property question solution, not only is advantageous in strengthens the credit restraint of banks, the change government department the aspect which intervenes excessively to the commercial bank concrete credit operation; Moreover is advantageous in improving our country the macroscopic economic environment, avoids the financial crisis in Asia repeating in our country. Therefore, the commercial bank not good property seeks the solution to become the social from all walks of life universal attention the important topic.This article through to our country state-owned commercial bank not good property condition, as well as the not good property handling present situation research, Hua Rong, the Chinese industry and commerce bank not good property security case analysis, has proven property security in our country's feasibility and the significance.