人民币汇率机制改革对商业银行不良资产的影响分析

Impact on Commercial Bank's Non-performing Assets about Reform of RMB Exchange Rate Mechanism

人民币升值2%会对商业银行的不良资产产生影响,文章首先分析新汇率体制下,人民币汇率的形成机制,其次阐述人民币汇率变化对商业银行不良资产的作用机理,然后具体分析人民币升值对企业的不利影响从而引致商业银行不良资产可能小幅度增加,最后提出商业银行应通过优化信贷业务的行业结构和客户结构来防范人民币升值给银行不良资产带来的不利影响。

First, RMB exchange rate mechanism has been described under new RMB exchange rate system. Second, how RMB exchange rate affecting on banks＇ non-performing assets is analyzed. Then a conclusion has been reached that RMB appreciation may result in the increase in value of banks＇ nonperforming assets by analyzing the negative impact on firms from RMB appreciation. And at last, some measures are suggested, for example, banks should try to avoid the disadvantages by optimizing the credit structure and consumers structure.