经济新常态下我国商业银行不良贷款的成因及防范措施  

Causes and preventive measures of non-performing loans of commercial banks in China under the new normal of the economy

作　　者：林腾飞 Lin Tengfei(Guizhou University of Finance and Economics)

机构地区：[1]贵州财经大学

出　　处：《中国乡镇企业会计》2023年第10期15-17,共3页

摘　　要：我国的经济增长速度自经济新常态以来出现了明显放缓的特点,这使得我国的商业银行不良贷款问题迎来了新的挑战。我国商业银行之前所累积的不良贷款在很大程度上威胁了我国商业银行运营体系的稳定。商业银行不良贷款率的大小不仅决定了经济稳定状态下的银行的盈利和竞争能力,更是导致金融危机爆发的重要因素。在此大背景下,研究我国商业银行不良贷款的形成成因并提出相对应的防范措施,具有极为重要的意义。本文的主要研究对象为经济新常态下商业银行的不良贷款,通过分析成因并提出解决建议,希望对于商业银行的不良贷款解决有所帮助。Since the economic new normal,China's economic growth rate has slowed down significantly,making the problem of non-performing loans in commercial Banks face new challenges.The non-performing loans accumulated by China's commercial Banks threaten the stability of China's banking system to a great extent.The non-performing loan ratio of commercial Banks is not only animportant factor leading to the financial crisis,but also determines the profitability and corecompetitiveness of Banks with stable economic operation.In this context,it is of great practical significance to study the causes of the formation of non-performing loans in China's commercial Banks and put forward corresponding preventive measures.The main research object of this paper is the non-performing loans of commercial Banks under the new normal economy.The main research object of this paper is the non-performing loans of commercial banks under the new normal of the economy,and by analyzing the causes and putting forward suggestions for solutions,it is hoped that it will be helpful to solve the non-performing loans of commercial banks.

关 键 词：商业银行 不良贷款 防范措施 

分 类 号：F832.4[经济管理—金融学]