最后给出了国有商业银行不良资产的相关防范对策。
Finally, relevant preventive measures were given about the non-performing assets of state-owned commercial Banks.
解决好商业银行不良资产处置问题具有重要的现实意义。
So how to solve the problems of non-performing assets of state-owned commercial Banks has very important practical significance.
资产池设计是我国商业银行不良资产证券化过程中重要环节之一。
The design of asset pool is the important part in the process of such a securitization.
第三部分是针对我国的实际情况，系统分析我国商业银行不良资产的现状。
The third section analyses the current situation of commercial bank bad bank assets in our country.
为了提高我国商业银行的竞争能力，首先要解决商业银行不良资产过多的问题。
For improving the competitive power of commercial Banks, the problem of the huge amount of non - performing banking assets in China must be solved at first.
因此，借鉴他国的经验，比较研究商业银行不良资产处理问题，并从中学习和得到启发就显得非常必要。
So it is very important to profit form the others countrys'experience by comparative study in disposal of non-perfoming assets.
正是由于资产证券化的这一特殊功能，使得用证券化方式成为处理我国商业银行不良资产的一个重要途径。
It is due to the asset securitization of the special features, making use of securitization has become an important way to deal with non-performing assets of commercial Banks in China.
第二部分：针对我国国有商业银行不良资产现状，分析当前我国国有商业银行不良资产生成与增长的制度成因。
The second part: According to non-performing assets current situation of state-run commercial bank of our country, analysis the system origin cause of state-run commercial bank non-performing assets.
迄今为止，国有商业银行不良资产居高不下的问题仍未从根本上得到解决；同时，又产生了大量的新增不良资产。
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.
首先，从考察贷款分类入手，描述了正常贷款生成不良贷款的五个区间过程，分析了我国商业银行不良资产的成因。
First, the article sees about the classification of loans, describing the five processes which arise bad loans in normal loan activities. and analyze the causes for our commercial bank bad assets.
在商业银行不良资产处置方面，他曾参与过债转股项目、不良资产打包转让项目、债务重组项目相关法律事务的处理。
He also participated in dealing with legal issues of the Debt-equity exchange project, Packing-transfer of bad-loan project, Debt-reconstruction project.
再次针对我国中小商业银行不良资产处理的特殊性，并兼顾处理过程中信息不对称问题的防范，确定出我国中小商业银行不良资产处理方案的实施要点；
The next is to decide the key points of bad assets management scheme of small banks in accordance with its particularity as well as precautions of asymmetric information during the process.
因此，加强和完善信贷风险管理，切实降低不良资产，是四大国有商业银行今后几年工作的重点，也是我国有效降低金融风险的重要保障。
So enforcing the system of credit risk management to reduce the amount of bad assets is the four state-owned commercial Banks' main work, and also ensures to reduce our country's financial risks.
自1999年开始，我国相继成立了四大资产管理公司，对四大国有商业银行的不良资产进行了剥离。
Since 1999, our country has set up four mainly asset managing company who stripped the bad assets of four mainly state-owned commercial Banks.
商业银行采取何种组织模式管理不良资产是银行管理体制改革需要探索和讨论的新课题。
Which organizational patterns to manage bad assets commercial Banks should adopt in banking management regime reform is a new topic needed probing and discussing.
资产管理公司的成立，标志着我国处理国有商业银行的不良资产进入了一个实质性阶段。
The establishment of capital management company shows that our country has entered a substantial stage in handling unhealthy assets of state-owned commercial banks.
商业银行的当务之急是降低不良资产，防范与化解金融风险，而信贷风险又是主要风险。
The urgent matter for commercial Banks is to reduce non-performed assets, take precautions against and dissolve financial risks, over which credit risk dominates.
是造成我国商业银行巨额不良资产的深层次原因。
There is a deep reason that results in a huge sum of bad assets in commercial Banks of our country.
但是多年来国有商业银行在经营中存在着一些突出问题，不良资产比例偏高便是其中之一。
However, for many years the state-owned commercial Banks operating there are some obvious problems, the high proportion of non-performing assets is one of them.
实践证明，仅仅依靠补充资本和剥离不良资产等类似的方法并不能从根本上解决我国商业银行资本不足的问题。
Actually it is proved that capital injecting and the non - performing assets stripping can't completely resolve the problem of insufficient capital of commercial Banks in China.
为保全资产、减少资产流失和化解金融风险，我国已经成立了资产管理公司以专门接收和处置国有商业银行巨额的不良资产。
To protecting state possessed assets and reduce losses and remove the finance risk, Chinas AMC has been set up to purchase and deal with bad assets of state possessed commercial bank.
银行不良资产是指处于非良好经营状态的，不能及时给商业银行带来正常利息收入甚至难以收回本金的贷款。
The bad property in bank is to points in not good operate the appearance, it can't bring the commercial bank the normal interest income on time, even hard taking back the loan of the principal.
1999年，国家成立了四大资产管理公司(amc)，专门负责接收、处置四大国有商业银行的不良资产。
In 1999 China established four AMC to accept and deal with non-performing assets (NPAs) that stripped from four state-owned commercial Banks.
我国分别在2005年和2008年进行了两次大规模的不良资产剥离，使商业银行的不良贷款比率大幅下降，但这样的数据有人为操纵之嫌。
China has conducted two large scale non-performing assets stripping in 2005 and 2008 respectively, make the default rates of banking system fell sharply, but this data should be suspected.
同时，由于资产管理公司受到国家存续期的限定而前途未卜，因此商业银行内新增不良资产的处置是我们面临的更为严峻的问题。
While the AMCs' future is uncertain as their ages are limited, how to dispose the new growing non-performing assets in the commercial banks is becoming a severe problem.
同时，由于资产管理公司受到国家存续期的限定而前途未卜，因此商业银行内新增不良资产的处置是我们面临的更为严峻的问题。
While the AMCs' future is uncertain as their ages are limited, how to dispose the new growing non-performing assets in the commercial banks is becoming a severe problem.
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