（大纪元记者任义报导）各界对大陆银行业的不良贷款率持非常怀疑的态度，按照中共官方公布的最新数据，其不良贷款率仅0.97％。但实质是通过滚转贷款粉饰报表等手段来掩盖，银行的不良贷款率实际远高于官方数值。中共为了应对金融危机，开始成立省级坏账银行来转嫁风险。
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