新常态下我国商业银行不良贷款探析

Analysis of Non-performing loans of Commercial Banks in China under the New normal

随着全球经济一体化的不断发展,世界经济出现分化趋势。我国经济进入新常态,各领域都处于不断改革与调整之中。与此同时,新常态也给金融风险管理带来了新的挑战,产业结构调整和经济转型难以避免产生不良贷款。不良贷款的产生会对银行的赢利能力和资产质量产生重大影响,如果不及时进行控制,就会给商业银行带来严重金融风险。因此,对商业银行不良贷款的探讨研究和重新认识就显得尤为重要。

With the continuous development of global economic integration,the world economy has appeared a trend of differentiation.Our country economy enters new normal,each field is in ceaseless reform and adjustment.At the same time,the new normal also brings new challenges to financial risk management,industrial structure adjustment and economic transformation are difficult to avoid non-performing loans.The generation of non-performing loans will have a significant impact on the profitability and asset quality of banks.If they are not controlled in time,they will bring serious financial risks to commercial banks.Therefore,it is particularly important to study and reunderstand the non-performing loans of commercial banks.