国有商业银行的不良资产处置(外文翻译).doc

译文（字数 5467）：

加拿大社会科学

Vol. 11, No. 7, 2015, pp. 77-81

DOI: 10.3968/7320

研究预防中国国有商业银行的不良资产

介绍

众所周知,商业银行的不良资产是银行发展的束缚,这不仅会导致银行财务状况的恶化,也会导致银行损失资产,还会影响整个国家的正常流动。尤其是对公认的国有商业银行作为中国银行业的旗帜,如果饱受不良资产的问题,他们甚至会直接影响到国民经济，其危险是不言而喻的。近年来中国政府担心这个问题。还有一系列改革措施的实施,目前，中国国有商业银行的不良资产已得到改进,和整体的不良资产比，不良资产比率基本上“两个下降”。然而,它不能被忽略,“减少”的实现主要依赖于政府进行财务重组和政策剥落。这种方法可以暂时消除很多不良资产,但不解决问题的根源。因为过去的两年里我们也看到了不良资产的再度出现,这是不良资产的性能问题尚未完全解决。面对国有商业银行的不良资产,我们必须考虑如何“明确”。一方面,如何迅速和有效地处理积累的不良资产,另一方面考虑如何“块”。也就是说,如何从根源上防止不良资产。目前中国主要集中在“清晰”,而忽略“块”的重要性,在很大程度上,指的是美国相对较发达的银行业,他们用相当大的努力监督和防止不良资产,尤其是信用风险管理,他们利用更先进的预警手段，从源头上减少不良资产。因此,深入研究不良资产的控制措施是非常必要的。

外文原文（字符数 18862）：

Canadian Social Science

Vol. 11, No. 7, 2015, pp. 77-81

DOI: 10.3968/7320

A Study on Prevention of Non-Performing Assets of Chinese State-Owned Commercial Banks

INTRODUCTION

  As we all know, NPA of commercial bank is a shackle of bank development, which not only leads to deterioration of the financial condition of a bank, resulting in loss of the bank’s assets, but also affects normal flow of the entire capitals. Especially for the state-owned commercial banks which are recognized as the banner of Chinese banking industry, if plagued by the problem of NPA, they may even directly affect the national economy, whose danger is self-evident. In recent years the Chinese government has concerned about this issue. Along with the implementation of a series of reform measures, the current NPA of state-owned commercial banks in China has been improved, and the overall NPA and NPA ratio have been basically “both decreased”. However, it can not be ignored that the realization of “both decrease” mainly relies on the government to carry out financial restructuring and policy peeling off. This approach can temporarily eliminate a lot of NPA, but does not solve the problem at the roots. Since the last two years we have also seen the reemergence of NPA, which is the performance that the NPA problem has not been completely resolved. In the face of NPA of the state-owned commercial banks, we have to consider how to “clear” on the one hand- that is, how to quickly and effectively deal with the accumulated NPA, on the other hand consider how to “block” — that is, how to prevent NPA from the source. At present China mostly focuses on “clear”, and ignores the importance of “block” to a large extent. Referring to the relatively more developed US banking industry, they put in considerable efforts to supervise and prevent NPA, particularly in credit risk management, they make use of more advanced warning means to reduce NPA from the source. Therefore, a more in-depth study on NPA control measures is quite necessary.