Abstract: for a long time, because the state-owned enterprise capital insufficiency, the financial regulation is slack, legal system and the imperfect external causes and state-owned commercial Banks internal management, the reason of the reasons and the system caused by large state-owned commercial Banks of our country exists bad assets. Non-performing loans in professional bank loans already possess a considerable proportion of non-performing loans problem, not only constrain the professional bank to state-owned commercial Banks, and has become a change in the development of Chinese economy, has reached a hidden danger than solving not and is difficult to solve point. Analysis the causes of non-performing loans to promote China's Banks by extensive business way to intensive economy has the extremely vital significance. Solve problems of non-performing assets of commercial Banks, we should strengthen the internal management, speed up the bank financial system construction, reform the financial departments and personnel system, establishing incentive and restraint mechanisms to prevent and reduce financial risk. Keywords: bad assets non-performing loans financial supervision enterprise system monetary policy

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