我国加入WTO的条件已经具备,金融业特别是银行业的经营压力日益增大。国家已采取大量的政策性措施为解决银行业的轻装问题提供条件,但多年来困扰我国银行发展的突出问题——信贷资产质量较差,仍然不同程度的存在,资金周转慢和经营效益差等问题影响了银行业的发展,同时也给存款人的利益带来了潜在的危害。客观分析其原因是多方面的,而银行信贷融资机制的信息不对称和银行信贷业务人员在缺乏有效的激励与约束下所产生的道德风险,使得对贷款“三查”制度执行不严或流于形式,无疑是导致不良贷款较高的主要原因。具体而言主要涉及以下两个方面: The conditions for China’s accession to the WTO have been met. The financial industry, especially the banking industry, is under increasing pressure. The state has taken a large number of policy measures to solve the problem of light equipment in the banking industry. However, the prominent problems that have plagued the development of China’s banking industry over the years are poor quality credit assets, still varying degrees of existence, slow cash flow and poor operating efficiency The problem has affected the development of the banking sector, but also brought potential harm to the interests of depositors. Objective analysis of its causes is multifaceted, and the information asymmetry of bank credit financing mechanism and the moral hazard of bank credit staff in the absence of effective incentive and restraint make the implementation of the “three checks” Or in a mere formality, is undoubtedly the main reason for the higher non-performing loans. Specifically, it mainly involves the following two aspects: