供给侧改革背景下商业银行不良贷款的成因探析

发布时间：2018-01-02 22:07

本文关键词：供给侧改革背景下商业银行不良贷款的成因探析　出处：《东吴学术》2017年05期 　论文类型：期刊论文

【摘要】：目前我国宏观经济处于从高速增长换挡到中高速增长的发展时期,商业银行的不良贷款呈现上升趋势,不良贷款率的高低与经济周期波动呈反向变动关系、与经济发展水平呈负相关关系,也与行业的周期性、景气性、在产业链中的地位、行业内竞争状况以及国家的产业政策密切相关,还受到企业自身经营管理、商业银行经营机制的影响。针对上述成因,不良贷款的预防可采取以下措施:转变经济增长方式,从原来的"数量型增长"转变至"效率型增长",为企业创造一个良好的宏观经济环境和行业发展空间;激发企业的创新能力,提高企业的盈利能力;加强商业银行的业务监管,尽量防止产生新的不良贷款等。
[Abstract]:At present, China's macro economy in the development period of rapid growth from the shift to the high growth of the non-performing loans of commercial banks increased, showed the reverse changes in the relationship and level of economic cycle fluctuations in the rate of bad loans, has a negative correlation with the level of economic development, there are periodic, and the industry boom, in the industrial chain the status of competition within the industry and the national industrial policy are closely related, have their own management, affect the management mechanism of the commercial banks. According to the above causes, prevention of bad loans may take the following measures: changing the mode of economic growth, from the original "growth" to "efficiency growth". Create a favorable macroeconomic environment and industry development space for enterprises; stimulate the innovation ability of the enterprise, improve the profitability of enterprises; strengthen the commercial banking supervision, to prevent the generation of New non-performing loans, etc.

【作者单位】：苏州大学东吴商学院;常熟理工学院经济与管理学院;
【分类号】：F832.4
【正文快照】： 目前我国宏观经济处于从高速增长换挡到中高速增长的发展时期,结构调整刻不容缓。在此经济形势下,二○一五年十一月十日,习近平总书记在中央财经领导小组第十一次会议上强调指出,“在适度扩大总需求的同时,着力加强供给侧结构性改革,着力提高供给体系质量和效率,增强经济持续

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