宏观经济与银行不良贷款量相关性的实证分析

不良贷款和信贷风险一直是影响着金融市场稳定发展和经济增长的核心问题,牵系着国家经济命脉。后金融危机时代,我国信贷高增长引致了银行不良资产大量积聚的潜在风险。本文试图从宏观经济视角出发,分析影响不良资产形成的诸多因素,研究商业银行不良贷款的现状,并预测在全球经济逐渐回暖的背景下可能出现的变化趋势。

Macro economy and band bad loan relation’s demonstration analysis

Non-performing loans and credit risk have always been the core issues of financial markets and economic growth,which lead to stable development of the country’s economic lifeline.Post-crisis era,China’s credit growth causes the accumulation of bad bank assets and the potential risk.This paper attempts to from macro-economic perspective,analyze the factors of non-performing assets and the status of bad loans of commercial banks,finally forecast the trend in the process of global recovery.