摘要
受国内外复杂因素影响,中国经济步入"新常态"。随着"三去"任务和供给侧结构性改革的深入,商业银行的信用风险防控面临较大压力,不良贷款指标的恶化为股改后的商业银行敲响了警钟,信用风险的演变趋势也存在令人担忧的因素。本文主要分析了近期商业银行信用风险的特征及成因,从资产劣变趋势、处置不良资产风险和地方融资平台风险等角度阐述了信用风险演变的可能性,并对商业银行在"三去"的特殊背景下应对信用风险提出对策建议。
Affected by complex factors at home and abroad,China＇s economy has entered into＂the new normal＂situation. As the economic task of＂reduce production capacity,reduce inventory,reduce leverage＂and the supply-side reform,the commercial bank credit risk prevention and control face large pressure. The deterioration of non-per-forming loans＇ indicators has sounded the alarm to the sound operation of commercial banks,and the evolution trendof credit risk is also worried factor. Based on the complex economic situation,the article elaborates the evolution of thecredit risk from the perspective of continued deterioration of the risk assets,disposal of non-performing assets and lo-cal financing platform risk. It also proposes policy recommendations to deal with the credit risk of commercial banks un-der special circumstances.
出处
《区域金融研究》
2016年第9期49-53,共5页
Journal of Regional Financial Research
关键词
新常态
商业银行
信用风险
The New Normal
Commercial Banks
Credit Risk
