自国有商业银行股份制改造上市以来，我国商业银行的不良贷款额和不良贷款率一直呈现大幅下降的趋势，不良贷款额、不良贷款率一度降至了非常低的水平。因历史原因而形成的长期困扰我国商业银行的不良贷款问题曾经一度淡出人们的视线。然而，近几年来，伴随着我国宏观经济增速的持续回落，商业银行不良贷款额和不良贷款率均呈现反弹势头。不良贷款问题再次成为政府、学术界、银行关注的焦点问题。 面对着这一问题，笔者试图探究不良贷款的成因及治理对策。从而为商业银行提供决策参考，增强商业银行不良贷款的防控能力。全文共分六章，第一章是绪论、第二章是案例描述、第三章是案例分析、第四章是不良贷款治理应关注与权衡的问题、第五章是不良...Since the reform of state-owned commercial banks, the non-performing loans and non-performing loans of commercial banks in China have been showing a downward trend. Non-performing loans, non-performing loan rate fell to a very low level. the problem of bad loans of commercial banks in China has been out of sight. However, in recent years, along with China's macroeconomic growth continued to fall, ...学位：管理学硕士院系专业：管理学院_工商管理硕士(工商管理硕士)学号：1792008115105
