商业银行不良贷款处置存在的问题及策略探析  

Analysis on the Problems and Strategies in the Disposal of Non-performing Loans of Commercial Banks

作　　者：胡茵[1,2] HU Yin(School of Finance,Changchun finance College,Changchun 130028,China;Jilin Province Inclusive Financial Research Center,Changchun 130028,China)

机构地区：[1]长春金融高等专科学校金融学院 [2]吉林省普惠金融研究中心

出　　处：《长春金融高等专科学校学报》2019年第6期41-44,32,共5页Journal of Changchun Finance College

摘　　要：随着我国产业结构的调整以及市场化进程的不断深化,现行经济下行压力日趋凸显,商业银行面临不良贷款总额与不良贷款比例上升的双重压力,如何优化不良贷款处置策略成为商业银行面临的重要问题。当前商业银行只有不断提升不良贷款的管理理念,优化内部控制机制,致力于不良贷款处置的金融创新,才能走出一条处置不良贷款的可持续发展之路。With the adjustment of China’s industrial structure and the deepening of the market-oriented process, the current downward pressure on the economy is becoming increasingly prominent.Commercial banks are facing the double pressure of the total amount of non-performing loans and the rising proportion of non-performing loans. How to optimize the disposal strategy of non-performing loans has become an important problem for commercial banks. At present, only by constantly improving the management concept of non-performing loans, optimizing the internal control mechanism, and devoting to the financial innovation of non-performing loan disposal, can commercial banks walk out of a sustainable development road of non-performing loan disposal.

关 键 词：商业银行 不良贷款 处置 

分 类 号：F832[经济管理—金融学]