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长期以来,由于受多种原因,我国银行的信贷资产质量不断下降。据有关资料统计,目前国有银行信贷资产有40％根本无法收回,30％处于呆帐处理状态,只有30％能够勉强运转。倘若不能及时消除和转化这些历史遗留下来的贷款风险,将严重阻碍我国银行商业化改革的步伐。因此,重组信贷资产成为当前我国银行界急需解决的重大课题。那么,如何重组信贷资产呢?我们认为当前国有商业银行重组信贷资产主要应从以下几个方面入手:
For a long time, due to a variety of reasons, the quality of credit assets of our country’s banks has been declining. According to relevant statistics, at present, 40% of the state-owned bank’s credit assets can not be recovered at all, and 30% are in bad debts disposal status, only 30% can barely operate. If we can not promptly eliminate and convert these historical legacy loan risks, it will seriously impede the pace of China’s commercial banks reform. Therefore, the restructuring of credit assets has become an urgent issue that our country’s banking sector needs to solve urgently. So, how to reorganize the credit assets? We think the current state-owned commercial banks should mainly reorganize their credit assets from the following aspects: