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



For a long time, Chinese state-owned commercial banks have to face the actualities of large non-performing assets and a high rate of non-performing assets. Based on China’s national condition and referring to the US banking industry, this article makes proposals on preventing and controlling non-performing assets from four aspects: state-owned enterprise system, government regulation, credit risk management, and disposal of non-performing assets.


Chinese state-owned commercial bank; Non-performing asset; Credit risk management; Control approach

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DOI: http://dx.doi.org/10.3968/%25x


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