內容摘要
We know that the world exists in all commercial banks non-performing loans,
which of course includes Citibank, HSBC Bank and other advanced world.
我們知道，世界上的所有商業銀行都存在不良貸款，這當然包括花旗銀行、匯豐銀行等世界先進銀行。
Non-performing loans by banks operating money and credit in this particular financial institution has some of the inevitable consequences.
不良貸款是銀行這個經營貨幣信用的特殊金融機構在經營中必然有的後果。China's state-owned commercial banks non-performing loans, reform of the banking system has become an important factor,
我國國有商業銀行的不良貸款問題，已成為影響銀行體系改革的壹個重要因素，
accession to the WTO, the high rate of non-performing loans of state-owned banks as of equal competition with the West Bank of the heavy burden,
入世後，居高不下的不良貸款率成為影響我國國有銀行與西方銀行平等競爭的沈重包袱，
but also affect the state-owned banks and the International integration of a "bottleneck."
也是影響國有銀行和國際接軌的壹個“瓶頸”。
This paper focuses on non-performing loans of state-owned commercial banks, the causes and preventive measures put forward some superficial view.
本文集中對國有商業銀行不良貸款的成因和防範措施提出了壹些粗淺看法。
Key words: commercial banks, non-performing loans, causes, prevention,
關鍵詞：商業銀行、不良貸款、成因、防範