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上海交通大学继续教育学院金融学毕业论文《城市商业银行不良贷款的成因及对策》10000字
答案
上海交通大学本科毕业论文
城市商业银行不良贷款的成因及对策
学 生：
学 号：
专 业：金融学
导 师：
学校代码：
上海交通大学继续教育学院
年 月
城市商业银行不良贷款的成因及对策
摘 要
我国银行业历经 20 多年的发展，城市商业银行已经发展壮大起来，成为了银行金融行业的重要组成部分。城商行在发
展中逐渐步入正轨，资本规模不断增大，盈利能力大幅提升。然而，随着国家金融环境的变化，城镇化进程加快，城商行贷
款急剧增加，因此而形成的不良贷款也急剧增加。这对城商行的业务扩张和业务发展构成了严峻的挑战，使银行在收回贷款，
银行盈利的风险日益增大。不良贷款的增加不仅限制了城商行的发展，还给地区经济稳定带来风险。一旦，发生系统性金融
风险，将会给整个地区的金融稳定造成巨大的冲击。因此，研究城商行不良贷款的成因以及化解不良贷款势在必行。
本文以当前银行监管趋严的大背景下，根据城商行的自身特征，阐述提高抗风险能力的重要性。以国家宏观经济层面、
银行自身情况、产权结构三个方面为抓手对城商行产生的不良贷款进行深入分析，形成不良贷款产生的成因。基于此，选择
10 家不同的城商行作为研究样本，搜集其 2018 年的相关数据，进行建模分析，以不良贷款率作被解释变量，结合拨备覆盖
率、资本充足率、流动性比例、贷款总额等因素，进行线性回归模型并分析实证。
最后，结合原因分析和实证结果，提出化解城商行不良贷款的建议对策，并对全文进行总结。
关键词：城市商业银行，不良贷款，影响因素，对策
CAUSE AND COUNTERMEASURES OF NON PERFORMING LOANS OF CITY COMMERCIAL
BANKS
ABSTRACT
After more than20years of development ofChina's banking industry, urban commercial banks have
developed and become an important part of the banking and financial industry.City commercial banks are
gradually on the right track in their development, with increasing capital scale and substantial improvement
in profitability. However, with the change of the national financial environment and the acceleration of
urbanization, the loans of urban commercial banks have increased sharply, and the resulting non-performing
loans have also increased sharply.This poses a severe challenge to the business expansion and business
development of urban commercial banks, which increases the risk of bank profits when banks recover loans.
The increase of non-performing loans not only limits the development of urban commercial banks, but also
brings risks to regional economic stability.Once a systemic financial risk occurs, it will have a huge
impact on the financial stability of the whole region.Therefore, it is imperative to study the causes of
non-performing loans and resolve non-performing loans.
This paper expounds the importance of improving the anti risk ability according to the characteristics
of urban commercial banks under the background of the current tightening of bank supervision.Taking the
national
城市商业银行不良贷款的成因及对策
学 生：
学 号：
专 业：金融学
导 师：
学校代码：
上海交通大学继续教育学院
年 月
城市商业银行不良贷款的成因及对策
摘 要
我国银行业历经 20 多年的发展，城市商业银行已经发展壮大起来，成为了银行金融行业的重要组成部分。城商行在发
展中逐渐步入正轨，资本规模不断增大，盈利能力大幅提升。然而，随着国家金融环境的变化，城镇化进程加快，城商行贷
款急剧增加，因此而形成的不良贷款也急剧增加。这对城商行的业务扩张和业务发展构成了严峻的挑战，使银行在收回贷款，
银行盈利的风险日益增大。不良贷款的增加不仅限制了城商行的发展，还给地区经济稳定带来风险。一旦，发生系统性金融
风险，将会给整个地区的金融稳定造成巨大的冲击。因此，研究城商行不良贷款的成因以及化解不良贷款势在必行。
本文以当前银行监管趋严的大背景下，根据城商行的自身特征，阐述提高抗风险能力的重要性。以国家宏观经济层面、
银行自身情况、产权结构三个方面为抓手对城商行产生的不良贷款进行深入分析，形成不良贷款产生的成因。基于此，选择
10 家不同的城商行作为研究样本，搜集其 2018 年的相关数据，进行建模分析，以不良贷款率作被解释变量，结合拨备覆盖
率、资本充足率、流动性比例、贷款总额等因素，进行线性回归模型并分析实证。
最后，结合原因分析和实证结果，提出化解城商行不良贷款的建议对策，并对全文进行总结。
关键词：城市商业银行，不良贷款，影响因素，对策
CAUSE AND COUNTERMEASURES OF NON PERFORMING LOANS OF CITY COMMERCIAL
BANKS
ABSTRACT
After more than20years of development ofChina's banking industry, urban commercial banks have
developed and become an important part of the banking and financial industry.City commercial banks are
gradually on the right track in their development, with increasing capital scale and substantial improvement
in profitability. However, with the change of the national financial environment and the acceleration of
urbanization, the loans of urban commercial banks have increased sharply, and the resulting non-performing
loans have also increased sharply.This poses a severe challenge to the business expansion and business
development of urban commercial banks, which increases the risk of bank profits when banks recover loans.
The increase of non-performing loans not only limits the development of urban commercial banks, but also
brings risks to regional economic stability.Once a systemic financial risk occurs, it will have a huge
impact on the financial stability of the whole region.Therefore, it is imperative to study the causes of
non-performing loans and resolve non-performing loans.
This paper expounds the importance of improving the anti risk ability according to the characteristics
of urban commercial banks under the background of the current tightening of bank supervision.Taking the
national
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