贷款不仅是商业银行的重要基础业务之一,也是社会经济融资的主要渠道,但是由于经济周期存在与微观主体间生产经营的利益需求博弈,不良贷款的产生成为必然现象。目前我国经济增速放缓,在供给侧改革的政策背景下,“三去一降一补”等政策措施对我国银行体系以及相关行业的企业造成一定冲击。本文基于经济增速下降,供给侧改革的政策背景下,以明斯基金融脆弱性理论、融资结构理论为基础,分析我国目前银行体系中不良贷款的产生本质原因和风险问题,并且对银行不良贷款的处置方式及监管提出相关建议。 Loans are not only one of the important basic businesses of commercial banks, but also the main channel of social economic financing. However, due to the game between the economic cycle and the interests of production and operation among micro-entities, the emergence of non-performing loans becomes an inevitable phenomenon. At present, China’s economic growth slowed down. Under the policy of supply-side reform, some policies and measures such as “three strikes, one drop and one subsidy” have exerted a certain impact on the banking system of our country and the enterprises in related industries. Based on Minsky’s theory of financial fragility and financing structure theory, based on the policy of economic growth decline and supply-side reform, this paper analyzes the causes and risks of non-performing loans in China’s banking system, Loan disposal and supervision of the relevant recommendations.