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随着我国经济水平的提高,金融行业也发展的越来越好,很多企业在发展的过程中会选择在银行中进行贷款,但是一旦客户在贷款过程中出现不良的记录,就会对银行产生宏观经济的影响。不良贷款率的情况,不仅仅是导致国家金融危机的决定性因素,还决定了银行业激烈市场竞争中的主要地位。同样的道理,在我国商业银行的不良贷款率要远远的超过外资银行,因此商业银行的不良贷款情况受到了学术界和金融界的关注。但是目前我国对于商业银行不良贷款的研究大多数都是侧重于微观的层面,却并没有针对宏观经济的指标来探讨商业银行不良贷款的影响。下面本文针对商业银行中的不良贷款的宏观经济情况以及其指标的变化进行分析,以期为我国经济的发展做贡献。
With the improvement of China’s economy, the financial industry is also developing better and better. Many enterprises choose to make loans in the bank during their development. However, once the customers have bad records during the loan, Macroeconomic impact. The situation of non-performing loan ratio is not only the decisive factor that led to the national financial crisis, but also the main position in the fierce competition in the banking industry. By the same token, the non-performing loan ratio of commercial banks in China far exceeds that of foreign-funded banks. Therefore, the non-performing loans of commercial banks have drawn the attention of academics and financial circles. However, at present, most of the studies on non-performing loans of commercial banks focus on the micro-level, but we do not discuss the impact of non-performing loans of commercial banks on macroeconomic indicators. The following article analyzes the macro-economic conditions of non-performing loans in commercial banks and the changes of their indicators in order to contribute to the economic development of our country.