供给侧改革背景下我国商业银行的不良资产处置
|
摘要
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.
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.
引文
[1]姚明明.供给侧结构性改革中商业银行经营策略研究[J].金融与经济,2017(1):58-63.
[2]贾康,苏京春.论供给侧改革[J].管理世界,2016(3):1-24.
[3]孙亮,石建勋.中国供给侧改革的相关理论探析[J].新疆师范大学学报(哲学社会科学版),2016(3):75-82.
[4]刘尧飞,沈杰.经济转型升级背景下供给侧改革分析[J].理论月刊,2016(4):5-9.
[5]李佐军.准确把握供给侧改革[N].北京日报,2015-12-28(17).
[6]冯志峰.供给侧结构性改革的理论逻辑与实践路径[J].经济问题,2016(2):12-17.
[7]邓磊,杜爽.我国供给侧结构性改革:新动力与新挑战[J].价格理论与实践,2015(12):18-20.
[8]洪银兴.准确认识供给侧结构性改革的目标和任务[J].中国工业经济,2016(6):14-21.
[9]段默.我国商业银行不良资产的现状与治理对策[J].金融论坛,2006(8):40-45.
[10]封文丽,张晓阔.供给侧结构性改革下大型商业银行不良资产处置探究[J].农村金融研究,2017(6):36-40.
[11]于宝亮,樊友丹,鲁晏辰.不良贷款资产证券化的内涵、国际经验与我国商业银行实践[J].新金融,2017(3):58-63.
[12]苟济帆.供给侧背景下商业银行不良资产处置策略[J].合作经济与科技,2016(18):50-52.
[13]侯亚景,罗玉辉.“供给侧结构性改革”背景下我国金融业不良资产的“处置之道”[J].经济学家,2017(1):16-23.
[14]王乃祥.地方商业银行不良资产现状及其有效化解途径[J].银行家,2015(10):19-20.
[15]李一,王学军.新常态下对金融资产管理公司处置不良资产的思考与探索[J].东岳论丛,2016(11):169-176.
[16]高鑫.我国商业银行不良资产问题及其处置对策[J].企业改革与管理,2017(17):111-112.
[2]贾康,苏京春.论供给侧改革[J].管理世界,2016(3):1-24.
[3]孙亮,石建勋.中国供给侧改革的相关理论探析[J].新疆师范大学学报(哲学社会科学版),2016(3):75-82.
[4]刘尧飞,沈杰.经济转型升级背景下供给侧改革分析[J].理论月刊,2016(4):5-9.
[5]李佐军.准确把握供给侧改革[N].北京日报,2015-12-28(17).
[6]冯志峰.供给侧结构性改革的理论逻辑与实践路径[J].经济问题,2016(2):12-17.
[7]邓磊,杜爽.我国供给侧结构性改革:新动力与新挑战[J].价格理论与实践,2015(12):18-20.
[8]洪银兴.准确认识供给侧结构性改革的目标和任务[J].中国工业经济,2016(6):14-21.
[9]段默.我国商业银行不良资产的现状与治理对策[J].金融论坛,2006(8):40-45.
[10]封文丽,张晓阔.供给侧结构性改革下大型商业银行不良资产处置探究[J].农村金融研究,2017(6):36-40.
[11]于宝亮,樊友丹,鲁晏辰.不良贷款资产证券化的内涵、国际经验与我国商业银行实践[J].新金融,2017(3):58-63.
[12]苟济帆.供给侧背景下商业银行不良资产处置策略[J].合作经济与科技,2016(18):50-52.
[13]侯亚景,罗玉辉.“供给侧结构性改革”背景下我国金融业不良资产的“处置之道”[J].经济学家,2017(1):16-23.
[14]王乃祥.地方商业银行不良资产现状及其有效化解途径[J].银行家,2015(10):19-20.
[15]李一,王学军.新常态下对金融资产管理公司处置不良资产的思考与探索[J].东岳论丛,2016(11):169-176.
[16]高鑫.我国商业银行不良资产问题及其处置对策[J].企业改革与管理,2017(17):111-112.