Analysis Of Countermeasure And Cause Of Non-performing Assets Of State-owned Commercial Bank In Our Country

After financial crisis in Southeast Asia, non-performing assets problem have caused the widespread concern in the world. Every country know that non-performing assets have a direct function and the influence to the management accomplishment of banking facilities, financial market efficiency, even stability of economic order. In regard to the our country, non-performing assets problem has piled up for a long time, but China began to pay attention to the non-performing assets and financial risk from 1944 when professional bank turned a track toward the commercial bank. Along with non-performing assets problem gradually publication, transparency, the number is arrived from the recessiveness jot to increasing obviously which shows non-performing assets problem in our country has already been very serious.After non-performing assets problem appeared, the interrelated department adopted a series of measure, including establishing specialized organization -assets management company, removing non-performing assets of four big and state-owned commercial banks, at the same time adopting recourse by law, the marketing sell, ushering foreign capital and various processing method, who obtained a certain stage achievement in more than ten years of processing non-performing assets. But still existing conditional system and the environment factor in our country, a lot of processing measure can't work; The assets management company still exists heavy policy burden to restrict the power of opening innovation of processing means in the meantime, up to now, high non-performing assets problem of state-owned commercial bank has not resolved ultimately; and credit management system of the state-owned bank has not formed, at the time of disposing originally non-performing assets in greatest...