经济新常态下商业银行不良贷款的实证分析

An Empirical Study of Commercial Banks' Non-Performing Loans under the New Normal of Economy

随着我国经济步入新常态,经济增速放缓,商业银行的不良贷款问题也面临新的挑战,不良贷款总额一直在高位徘徊。在此大背景下,考察了我国商业银行不良贷款现状及成因,详细分析了其主要影响因素,联合运用了因子分析、线性回归模型对商业银行不良贷款进行实证研究,同时提出政策建议。

As China's economy has entered a new normal,the economic growth rate has slowed down,and the non-performing loans of commercial banks are facing new challenges,and the total amount of commercial bank’s non-performing loans is always high.Under this circumstance,the paper investigates the present situation and cause of non-performing loans of the commercial banks,and analyzes the main influencing factors,making an empirical study of commercial banks non-performing loans by factor analysis and linear regression method,meanwhile it put forward policy suggestions.