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截至2013年中报,16家上市银行不良贷款余额达4409.51亿元,较2012年年底增长了388.54亿元,增速达9.66%。到今年第二季度,商业银行不良贷款已经连续第七个季度上升。14年前,为了剥离四大国有银行表内贷款规模1/5的不良贷款,我国成立了四大资产管理公司,并接收了当时约3/4的不良贷款。至此,四大国有银行得以轻松上阵,进行了股份制改革。14年后,中国的经济形势发生了巨大变化,信贷规模也大幅增长。经估算,2008年以来,我国信贷总量增长超过一倍。同时,由于江浙及东部沿海地区企业破产情况严重,连
As of mid-2013, the balance of non-performing loans of 16 listed banks reached 440.951 billion yuan, an increase of 38.854 billion yuan over the end of 2012, an increase of 9.66%. By the second quarter of this year, non-performing loans of commercial banks have risen for the seventh consecutive quarter. Fourteen years ago, in order to divest the non-performing loans of 1/5 of the loans in the four big state-owned banks, China established four asset management companies and received about 3/4 of the non-performing loans at that time. So far, the four big state-owned banks have been able to easily go into battle and carry out joint-stock reform. After 14 years, the economic situation in China has undergone tremendous changes, and the scale of credit has also risen sharply. It is estimated that since 2008, China’s total credit growth has more than doubled. In the meantime, due to the serious bankruptcy of enterprises in the coastal areas of Jiangsu, Zhejiang and the east, Lianzhou