本科论文摘 要我国经济在改革开放以来，历经三十年飞速增长，社会各界对中国经济一路向好，忽视了自身体制的变革与创新，2010 年之后经济发展缓慢，部分大型企业面临成产能严重过剩的局面。随之而来的是，不良贷款的迅速上涨，2016年，“三去一降一补”政策的执行，使得产能过剩问题缓和，但这并不是短期内能解决的，企业生产结构调整需要一定时间，这也使得不良贷款无法在较短的时间得到真正的缓解。如何快速有效的化解不良贷款成为一项亟待解决的问题。本文整理了近几年我国商业银行不良贷款额及不良贷款率等相关指标，了解不良贷款的发展趋势，并通过大量资料，整理总结我国处理不良贷款的措施，对处置过程中存在的问题作出分析说明，对我国不良贷款的处置提出改进措施。关键词：商业银行，不良贷款，不良贷款处置本科论文AbstractSince the reform and opening up, China's economy has experienced three decades of rapid growth. All sectors of society have been doing a good job of China's economy, ignoring the reform and innovation of their own system. After 2010, the economic development is slow, and some large enterprises are facing serious overcapacity. With the rapid rise of non-performing loans, in 2016, the implementation of the policy of "three removal, one reduction and one compensation" eased the problem of overcapacity, but this can not be solved in a short period of time. The adjustment of enterprise production structure needs a certain time, which also makes non-performing loans unable to get real relief in a short period of time. How to resolve the non-performing loans quickly and effectively has become an urgent problem. In this paper, the amount of non-performing loans and non-performing loan ratio of commercial banks in recent years are sorted out to understand the development trend of non-performing loans, and through a large number of data, the measures to deal with non-performing loans in China are summarized, the problems in ...
