【摘要】 我国商业银行一直存在惊人的不良资产,政府和银行都为根治这一"硬伤"在作努力,但成效甚微。项目贷款在我国银行不良贷款中占极重要地位。通过对中外商业银行贷款职能及对借款人角色的比较,笔者认为,西方商业银行项目贷款的全职能管理机制和他们对借款人多维的视角的认识有助于我们从根本上扭转"在信贷交易中借款人总是处于支配地位"的不正常现象。更多还原

【Abstract】 China’s commercial banks have been suffering an alarming ratio of non\|performing assets in which the project loans have the lion’s share. Both the government and banks have been making painstaking efforts to solve the problem yet have achieved modest results. A closer look at foreign banks’ functions in handling project loans and their perspectives from which they look at the borrowers shall contribute to eliminating China’s abnormal situation where "the loan borrowers should dominate the loan business".更多还原