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商业银行不良贷款现状特征、成因分析与治理对策

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

commercial banknon-performing loanrisk managementtreatment countermeasure

仲敬哲

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南京财经大学红山学院 江苏·南京 210000

商业银行 不良贷款 风险管理 治理对策

2024

宿州教育学院学报
宿州教育学院

宿州教育学院学报

影响因子:0.214
ISSN:1009-8534
年,卷(期):2024.27(5)