对不良贷款的再思考  

Rethinking on the NPL

作　　者：魏国雄[1] 

机构地区：[1]中国工商银行

出　　处：《银行家》2011年第1期70-74,5,共5页The Chinese Banker

摘　　要：经过十几年的努力,中国银行业的贷款质量得到了很大改善,大规模地处置问题贷款的时期基本结束了,新增违约贷款逐年减少,每年贷款的劣变额、劣变率都在降低。在这种情况下,如何深入认识和把控不良贷款,管理好银行的信贷资产质量,就成为人们需要关注的新问题。After decades effort,China ends the era of disposing of legacy loans in great force,banking industry's loan quality greatly improved and bad loan ratio decreased year by year.In this case,how to deeply understand and control non-performing loan,as well as to manage the quality of bank's credit asset,needs more attention and rethinking.

关 键 词：不良贷款 中国银行业 信贷资产质量 贷款质量 处置问题 违约贷款 

分 类 号：F832.4[经济管理—金融学]