It was not the late 1990s that the government stepped in to bail out the banking system , and it only got serious about banks tackling their bad loans after 2002 ? 12 years after the bubble burst 直到90年代末政府才开始着手整治银行系统， 2002年后，才开始认真对待银行业的坏账? ?已是泡沫破裂12年后了。
Our commercial banks , especially the state - owned banks , have so lowly qualitative credit assets and highly bad loan ratio that credit risk becomes the biggest financial risk of our country 我国商业银行尤其是国有银行信贷资产质量低下，不良贷款比率一直居高不下，银行信用风险成为我国金融风险的最大隐患。
It was not the late 1990s that the government stepped in to bail out the banking system , and it only got serious about banks tackling their bad loans after 2002 ? 12 years after the bubble burst 直到90年代末，政府才出面解救银行系统，并且直到2002年后，日本银行才认真解决坏账问题? ?这已经是泡沫破裂后的12年。
Some state - owned bank almost has evolved into bankruptcy affec : by the bad loans . at first , the article studies the reason of non - performing loan in one of a state - owned bank 本文先从实证的角度，以某国有商业银行为例，详细分析了国有商业银行信贷风险产生的原因，剖析了目前我国信贷市场上扭曲的信贷关系。
At last , the paper raise some political measure to protect the number of bank " s bad loans increased . these measure include reformation of the old economic system and financial system , and so on 最后，对如何防止增量不良贷款的产生，提出了一些政策性建议，包括经济体制改革、金融体制改革、法制建设等方面。
Despite a history of bad loans , fraud and poor disclosure , china ' s banks are seen by global investors as the best way to gain exposure to the world ' s fastest - growing major economy 尽管存在坏帐、欺诈和信息披露不健全等历史问题，但全球投资者仍将中国的银行视为分享该国作为全球增长最快经济体所带来利益的最佳途径。
Therefore , this paper provides a practical guide in solving the problems of bad loan thoroughly and bringing the bank of china to be a competitive international bank within 3 to 5 years 对于中国银行实现3 ? ? 5年内发展成为具有比较竞争优势的国际大银行的目标以及国有商业银行彻底解决不良信贷资产问题具有现实意义。
This thesis concludes two modes used in choosing before loans and adds non - fiscal facts in loan decision , which could act as the theory basics of excluding bad loans 在这样的环境下，本文对以上两种现象提出了贷前采用对应的模式和贷中增加贷款决策因素分析，希望可以对逐渐消除信贷业务中不良成份的方法起到理论支持的作用。
