供给侧改革背景下我国商业银行的不良资产处置

The Disposal of Non-performing Assets in Chinese Commercial Banks under the Background of Supply-side Reform

通过对2011—2017年第四季度末商业银行不良贷款余额和不良贷款率的数据进行分析,本文发现:我国商业银行的不良贷款余额和不良贷款率在经历了2011—2016年的双升趋势后,于2017年出现了"不良贷款余额不断扩大,不良贷款率下降"的转变趋势;西部地区的不良贷款率于2016年超越了东部、中部地区,成为我国商业银行不良贷款率最高的地区;商业银行不良贷款率的波动与经济发展水平、利率市场化水平、互联网金融以及银行自身经营等因素密切相关。最后,本文根据分析结果提出了处置不良资产的对策建议。

Based on the data processing and analysis of the balance and ratio of non-performing loan in commercial banks at the end of the fourth quarter from 2011 to 2017,this paper finds that,after experiencing a rise from 2011 to 2016,the non-performing loan ratio showed a declining tendency,while the non-performing loan balance was being expanded.Meanwhile,the nonperforming loan ratio in western region reached the highest level among China’s commercial banks,which had surpassed that in eastern and central regions in 2016.Moreover,it is concluded that the fluctuation of the non-performing loan ratio of commercial banks is closely related to economic development level,interest marketization level,Internet finance and bank management condition.Here proposes some countermeasures and suggestions for the disposal of non-performing assets.