摘 要由于我国经济发展到达了一个全新的时期，在商业银行的经营活动中不良贷款率和不良贷款余额在持续提升，福建省银行业的资产总量情况也十分严重。发展的新形势导致贷款业务受到了更多新因素的影响，在进行风险控制的时候银行需要进行及时的改进和优化，针对这些影响的因素，需要采取更加积极有效的措施来对不良贷款进行控制和管理。本文归纳并总结了在商业银行的贷款业务中所出现的各种风险因素，同时对现阶段商业银行内部的不良贷款进行了局势分析和特征归纳；深入对比分析了福建省商业银行的不良贷款发展状况，从纵向和横向两个反面进行了比较，同时深度剖析了福建省商业银行贷款风险增大的关键性原因。政府应该健全法律法规，促进银行间沟通，健立更全面的信用体系。关键词：不良贷款；商业银行；贷款风险；企业转型升级1AbstractIn recent years, under the new economic situation in China, the non-performing loan ratio and non-performing loan balance of commercial Banks have been continuously improved, and the asset quality of the banking industry in fujian province is not optimistic. The new situation makes loans face many new influencing factors. Banks should analyze these factors and take more active and effective measures to better control non-performing loans instead of standing still at the level of ordinary risk control. On the basis of summarizing the specific types of loan risks of commercial Banks, this paper analyzes the overall situation of non-performing loans of commercial Banks and the characteristics of the new situation. The paper also analyzes the current situation of non-performing loans of fujian commercial Banks (including their own vertical comparison and horizontal comparison with other provinces) and the main reasons for the increased loan risks of fujian commercial Banks. The government should improve laws and regulations, promote inter-bank communication and establish a more comprehensive credit system.Key Words ： Non-performin...
