改革开放以来,我国的银行业经历了高速的发展,然而尽管银行业深化改革多年,依然存在大量坏账无法解决的情况,积累的大量不良资产阻碍了经济发展与银行业稳定,其中以四大国有商业银行的不良资产问题较为突出。近年来,我国经济增速放缓,加大了结构调整的力度,前期的刺激性政策也进入了消化期,三项因素叠加,在供给侧改革的大背景下,将会有大量企业面临倒闭,这也必将给商业银行造成大量的不良贷款。短期内商业银行的不良贷款会呈现出不降反增的趋势, Since the reform and opening up, the banking industry in our country has undergone rapid development. However, despite years of deepening reform in the banking industry, there are still lots of bad debts that can not be solved. The large amount of non-performing assets accumulated has hindered the economic development and the stability of the banking industry. Among them, The problem of non-performing assets of commercial banks is more prominent. In recent years, China’s economic growth slowed down, increasing the intensity of structural adjustment. The stimulus policies in the early stage also entered the digestion period, and the three factors were superimposed. Under the background of supply-side reform, there will be a large number of enterprises facing bankruptcy , Which will inevitably cause a large number of non-performing loans to commercial banks. In the short term, the non-performing loans of commercial banks will show a trend of increasing but not decreasing,