目录摘要...................................................................................................................................IIIAbstract.............................................................................................................................IV前言.....................................................................................................................................1第一章商业银行不良贷款的相关理论...........................................................................21.1不良贷款的定义和分类.......................................................................................21.1.1不良贷款的定义........................................................................................21.1.2不良贷款的分类........................................................................................21.2不良贷款形成的相关理论...................................................................................31.2.1金融脆弱性理论........................................................................................31.2.2贷款风险管理理论....................................................................................41.3商业银行不良贷款的影响...................................................................................41.3.1对商业银行的影响....................................................................................51.3.2对国家经济和金融稳定的影响................................................................5第二章经济新常态下我国商业银行不良贷款的现状及成因分析.............................62.1经济新常态下我国商业银行经营概述...............................................................62.1.1经济新常态的概念....................................................................................62.1.2经济新常态下我国商业银行经营现状....................................................62.2经济新常态下我国商业银行不良贷款现状分析...............................................62.2.1我国商业银行不良贷款存量分析............................................................72.2.2我国商业银行不良贷款增量分析............................................................82.3经济新常态下我国商业银行不良贷款成因分析...............................................92.3.1宏观因素分析............................................................................................92.3.2微观因素分析..........................................................................................10第三章解决我国商业银行不良贷款问题的对策和建议...........................................123.1完善信贷管理体制.............................................................................................123.2提高商业银行的贷款管理能力和资产定价能力.............................................123.3逐步硬化商业银行软预算约束预期.................................................................123.4进一步将经济增长目标强化.............................................................................123.5切实提高资本充足率.........................................................................................123.6适度的政府干预.................................................................................................123.7改进企业经商环境和增强企业家的决心.........................................................133.8增强对周期探究，预先做好风险预警计划.................
