中国商业银行不良贷款成因与化解策略  

The Causes And Countermeasures Of China's Commercial Banks' Non-performing Loans

作　　者：王晴[1] 许萍 王丽丽 张慧娟 邢露鹭 

机构地区：[1]安徽财经大学金融学院

出　　处：《现代经济信息》2017年第2期286-287,共2页Modern Economic Information

基　　金：国家级大学生创新创业训练计划(201610378418)

摘　　要：近年来,我国商业银行不良贷款持续走高,对我国经济市场和银行业的健康发展产生不良影响,为解决这一问题,本文首先根据2010-2016年商业银行不良贷款各项指标数据分析了我国商业银行不良贷款的现状;接下来从影响不良贷款的内在因素和外部因素两个方面阐述了我国商业银行不良贷款的各种成因;最后,针对不良贷款存在的原因提出有效的相关措施,从而使得银行体系的改革问题和经济金融业的未来发展问题得到有效解决。In recent years, China's commercial banks continued to rise in non-performing loans, it has a negative impact on China's economic market and the banking industry's healthy development. First, in order to solve this problem, according to the data of non-performing loans of commercial banks from 2010 to 2016, this paper analyzes the present situation of non-performing loans of China's commercial banks. Then the paper analyzes the causes of non-performing loans of commercial banks in China from the aspects of the internal and external factors. Finally, the paper puts forward effective measures for the reasons of non-performing loans, the problems of the reform of the system and the future development of the economic and financial industry can be solved effectively.

关 键 词：商业银行 不良贷款 成因 策略 

分 类 号：F832.4[经济管理—金融学]