商业银行不良贷款现状特征、成因分析与治理对策  

Current Characteristics,Cause Analysis and Treatment Countermeasures of Non-performing Loans in Chinese Commercial Banks

作　　者：仲敬哲 ZHONG Jingzhe(Hongshan College,Nanjing University of Finance&Economics Hongshan College,Nanjing 210000,China)

机构地区：[1]南京财经大学红山学院,江苏南京210000

出　　处：《宿州教育学院学报》2024年第5期89-95,共7页Journal of Suzhou Education Institute

摘　　要：随着我国经济的快速发展,商业银行在国民经济中的地位日益提高,对金融改革起到了有力推动作用。然而,商业银行的不良贷款问题也日益凸显,不利于商业银行的日常经营与发展,给金融稳定带来了一定压力。在经济新常态下,有效防范不良贷款的产生,提高资产质量,这已成为金融领域中亟待解决的问题。从商业银行不良贷款的现状入手,分析其产生的原因并提出治理对策,以期助力我国商业银行实现可持续健康发展。Commercial banks play a strong role in promoting the development of China's real economy and financial industry.Under the new normal of economy,effective prevention of non-performing loans and improvement of asset quality have become urgent problems in the financial field.Non-performing loans hinder the daily operation and healthy development of commercial banks,and bring great pressure to the stability of the financial industry.This paper starts with the current situation of non-performing loans of commercial banks,analyzes the causes of non-performing loans and puts forward countermeasures to help China's commercial banks achieve sustainable healthy and stable development.

关 键 词：商业银行 不良贷款 风险管理 治理对策 

分 类 号：F832.4[经济管理—金融学]