我国商业银行贷款质量变动趋势——基于主要上市银行的分析  

Change Trend of Loan Quality of China's Commercial Banks

作　　者：金昱 

机构地区：[1]中国工商银行城市金融研究所

出　　处：《银行家》2017年第10期82-85,共4页The Chinese Banker

摘　　要：银行业不良贷款余额上行的趋势短期内仍难以扭转。一方面,在大型银行增量持续下行的同时,仍有大量中小型银行的不良贷款增量维持高位。另一方面,目前我国仍将处于存量风险持续释放期,银行不良贷款波动性可能加大.存在短期脉冲式反弹的风险。The trend of the bank's non-performing loan balance is still difficult to reverse in the short term. On the one hand, while large banks continue to decline in the same time, there are still a large number of small and medium-sized banks to maintain a high level of non-performing loans.On the other hand,China will remain in the stock risk period,and the volatility of non-performing loan may increase with the risk of shortterm impulse type rebound.

关 键 词：上市银行 商业银行贷款 贷款质量 零售贷款 波动性 大型商业银行 个人住房贷款 释放期 商业银行资产 公司贷款 

分 类 号：F832.4[经济管理—金融学]