据专家介绍,当前主要有五种新的突发性金融风险值得关注。在宏观调控后可能出现不良资产积累高峰。辽宁省社科院财政金融研究所所长张献和教授说,从历史上看,我国银行业不良资产的形成有两个高峰期,一次是上世纪90年代初,经济过热造成国有四大商业银行的不良贷款率上升了10个百分点;另一次是在1998年亚洲金融危机后,经济大落造成银行业不良贷款率急剧上升。在未来二三年中,预计会出现一轮明显的不良资产积累高峰,其依据是去年贷款加上今年新增贷款, According to experts, there are currently five major emerging financial risks that deserve attention. After the macro-control may appear the peak of accumulation of non-performing assets. Professor Zhang Xianhe, director of the Liaoning Provincial Academy of Social Sciences Institute of Finance and Finance, said that historically, the formation of non-performing assets in China’s banking industry has two peak periods. The first is the early 90s of last century, when the overheated economy caused the four state-owned commercial banks The non-performing loan ratio of banks increased by 10 percentage points. The second one was that after the Asian financial crisis of 1998, the rapid economic plunge caused the non-performing loan ratio of banking industry to rise sharply. In the next two to three years, a clear peak of the accumulation of non-performing assets is expected on the basis of last year’s loans plus new loans this year,