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【内容摘要】我国银行的巨大不良资产一直是困扰我国金融行业的一块心病。特别是加入WTO以后，随着我国金融市场的不断放开，外国金融机构的进入会对我国金融行业带来巨大冲击。因而，其不良资产的问题也必定会成为其发展的绊脚石。本文主要从法律角度透视我国商业银行的不良贷款，并有针对性的提出了降低我国商业银行不良贷款的法律对策。
【关键词】不良贷款 商业银行 信贷 法律
参考答案:Abstract: It is a big trouble of financial industry in our country that most of the banks in China has been stucking to a lot of bad assets. As the financial market continuously openning, especially after China's entry to WTO, foreign financial organizations will rush into and bring enormous shocks to our domestical financial industry. Therefore, various troubles of bad assets must become the barriers of the financial industry development. This article stands on the point of legislation to analyze the causes and development of bad loans or credits within China's commercial banks. The possible legislation solutions are consequently discussed according to the analysis by the author with the attempts to decrease the occurrence of the bad loan within the commercial banks.
Key Words: Bad loan, commercial bank, loan, law, legislation