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[多选题]

下列关于我国商业银行不良资产成因的说法,正确的有()。

A.我国直接融资比重较大,企业融资以资本市场为主

B.经济转轨后,改革的成本大部分由银行承担,由此形成大量不良资产

C.有的企业没有偿还银行贷款的动机,相关法律法规也没有得到很好的实施,由此形成了大量的不良资产

D.商业银行经营机制不灵活,以及法人治理结构不完善,将影响商业银行资产质量的提高

E.我国国有企业的经营机制改革没有很好地解决,是我国商业银行不良资产产生的重要因素

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