本文首先对我国金融不良资产管理的现状进行了分析，指出了当前金融不良资产管理模式的弊端，提出了对当前管理模式进行改进的必要。

Firstly this article has carried on the analysis to present situation of finance non-performing load management, pointed out malpractice of it, and proposed necessity of making improvement.

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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.

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要让外资在资产管理公司处置不良资产的过程中发挥更大的作用，相关法规、政策还有一些亟待完善的地方。

In order that foreign capital can play a greater role in the disposal of bad assets by asset management companies, related laws and policies need to be improved.

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