Research On Prevention And Causes Of The Non-performing Assets Of State-owned Commercial Banks In Our Country

China's banks have accumulated Non-performing assets problem long, with its scale continues to expand, not only worsened the bank's financial base has greatly reduced the flow of bank assets, but also weaken the financial support of the efficiency, and increasing instability in the banking system, and the possibility of outbreak of the financial crisis as well as the sustainable development of state-owned banks. Thus, the four major state-owned commercial banks Non-performing assets to prevent and resolve risks has become the current problem in China's economic and financial development one of the biggest challenges.In several year Non-performing assets handling work, has achieved certain gradual achievement. However, as China's current system and the environment still exist factors, many of the Non-performing assets disposals means not achieve the desired effect. So far, the state-owned commercial banks Non-performing assets from a high of issues have yet to be resolved root trees at the same time, created a lot of new Non-performing assets.In this paper, under the guidance of the system economics, information theory, such as economics to established game model, then analysis China's state-owned commercial banks Non-performing assets in-depth, combing its present situation, above analyzes these questions main and the special origin, the discussion guard and further melts the Non-performing assets the countermeasure to suggest, to promote Our country Banking industry's healthy order development to provide the policy-making basis.