《中国经济时报》近日发表李俊杰的文章分析,通过剥离不良资产来处理银行坏账,具体来说可以分为两个步骤,一是清理现有资产,评估资产质量,并将不良资产剥离;二是通过国家注资来弥补银行资产剥离所暴露出来的资本金不足。在第二步中,如果国家注资安全弥补银行的资本金不足,就意味着国家承担了由坏账造成的全部损失;否则,就是国家和银行分担损失。在这两个步骤中,第一步必须一次性彻底完成,因为只有这样才可能给银行一个全新的起点,使得银行能够建设发展出商业 The China Economic Times recently published an article analysis of Li Junjie. By stripping non-performing assets to deal with bank bad debts, it can be divided into two steps. One is to clean up existing assets, assess the quality of assets, and divest non-performing assets. Second, Capital injection by the state to make up for bank assets diverted by the lack of capital. In the second step, if the state finances security to make up for the bank’s lack of capital, it means that the state bears all the losses caused by the bad debts; otherwise, the state and the banks share the losses. In these two steps, the first step must be completed once and for all, because the only way it can be a new starting point for banks, enabling banks to build the development of commercial