新浪财经讯 7月8日消息，第四届中国银行业发展论坛昨日在京举办，中国日报海外版为论坛做了题为《银行业不良贷款上升 风险管理趋严》的报道。
报道中写道，中国正进一步加强银行业风险监管，并正在探索创建和完善风险管理体系。银行业监管层重点强调了综合风险管理的重要性，并提醒银行业警惕由可能爆发的资产泡沫所引起的潜在风险。
银监会国有重点金融机构监事会主席于学军在由新浪财经主办的“中国银行业发展论坛”上表示，我们的银行业正面临自2004年国有银行核销处置不良资产、改制上市以来最严峻的经营压力。由于这种状况在短时间内不会改善，银行需要为一段长期而艰难的考验做好准备。
他指出，截至今年5月底，全国银行业不良贷款余额已超过两万亿元，比今年年初增超2800多亿元，不良贷款率增加0.16个百分点达到2.15%。
于学军还表示，在出口导向型的经济模式下，我国经济面临的挑战和压力持续增加，然而新经济增长模式尚未建立。所以，银行贷款坏账压力将在较长时间内存在，为度过艰难时光，需要银行业各部门做好长期艰苦作战的思想准备。他建议银行坚持技术创新发展，升级风险管理来应对日益复杂的经济环境。
以下是报道全文：
China is further tightening risk management regulations on the banking industry and stepping up efforts to build and improve a comprehensive risk management system．
Regulators emphasized on Thursday the importance of comprehensive risk management and reminded banks to be on guard against potential risks that may be triggered by the bursting asset bubbles．
“Our banking industry is facing the most severe operating pressure since the reform and listing of State-owned banks in 2004． As the situation will not improve in a short time， banks should be prepared for a tough， long-term battle，” said Yu Xuejun， chairman of the supervisory board for key State-owned financial institutions of the China Banking Regulatory Commission．
As of the end of May， the balance of nonperforming loans of China‘s banking institutions exceeded 2 trillion yuan （$299 billion）， increasing by more than 280 billion yuan from the beginning of this year． During the same period， the NPL ratio went up 16 basis points to 2.15 percent．
“Challenges continue to arise in the export-oriented economic model， whereas a new growth model has not been established yet． So a rebound in nonperforming loans will take long． To go through hard times， the banking sector must take a long-term view，” said Yu at the China Banking Development Forum held by the financial news portal of Sina.com， a Chinese online media company．
He advised banks to keep their technology development and comprehensive risk management up to date in order to deal with an increasingly complicated economic environment．
Several bankers expressed similar views on risk management at the forum． Niu Ximing， chairman of the Bank of Communications Co Ltd， said： “Banks should be particularly careful with the time lag between current profits and the risks that may not cause actual losses until seven years later． At present， nonperforming loans have not yet reached their peak， and banks should hold onto the principle of prudent operation．”
Shao Ping， president of Ping An Bank Co Ltd， also said banks must abandon aggressive actions for short-term profits and return to a rational development plan in the long run．
The China Banking Regulatory Commission posted a draft of guidelines for comprehensive risk management in banking institutions on its website on Wednesday to solicit public opinions．
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