Analyze what problems still exist in the development of Chinese banks and how to solve them.

The banking industry is in a critical period of steady growth and structural adjustment, especially the task of eliminating backward production capacity and resolving excess production capacity is quite arduous. Due to the single enterprise structure in some areas, the irregular governance structure of some enterprises and the changes in market demand, many large enterprises are in trouble.

In this case, enterprise bankruptcy has gradually entered people's field of vision, and everyone should accept this concept. At the same time, the proportion of non-performing assets in some local banks has increased, and many enterprises are in a zombie state, occupying a lot of credit resources. Creditors do not take the initiative to apply for bankruptcy, and debtors do not apply for bankruptcy protection. No matter what kind of bonds, there are potential losses.

Therefore, in the process of deepening the reform in an all-round way, it is necessary to pay full attention to and apply the bankruptcy law, so as to revitalize the stock, protect the productive forces, focus on structural adjustment and industrial upgrading, and focus on economic construction under the rule of law.