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我国银行业不良资产的现状我国经济发展进入新常态以来,商业银行不良资产余额和不良率持续双升,这是“三期叠加”风险不断释放的结果,既有短周期的景气下行与长周期的经济增速换挡变轨等周期性原因,也有我国经济发展模式转换、结构调整、产业升级换代、过剩产能风险释放等内部因素与国际经济低迷等外部因素影响所致。
The Status Quo of Non-performing Assets in China’s Banks Since the economic development of our country entered a new normal, the balance of non-performing assets and non-performing loans of commercial banks continued to double up. This is the result of the continuous release of the risk of “three-phase overdosing”. Both the short-term economic downturn and the non- Long-term economic growth shift and other cyclical reasons such as the shift, but also China’s economic development mode transformation, structural adjustment, industrial upgrading, the release of excess capacity risk and other internal factors and the international economic downturn caused by external factors.