不良贷款对商业银行流动性的影响.doc

不良贷款对我国商业银行流动性的影响摘要: 不良贷款在一定程度上对商业银行的流动性有着重要的影响。而流动性在商业银行经营的“三性原则”中起着举足轻重的作用。虽然相关数据显示,近年来我国商业银行的不良贷款占比接近或低于国际良好银行的管理标准,但是研究相关的数据会发现我国商业银行近年来的不良贷款是“名降实增”,这无疑对商业银行的经营是不利的。本文将结合相关数据,从商业银行的流动性角度来简要探讨不良贷款对商业银行经营的影响,并提出相应的应对措施。关键词: 商业银行;不良贷款;流动性 Bad Loans' Effects To The Liquidity of The mercial Banks Abstract : Bad loans mercial banks affect the liquidity to some degree . As one of the "Three Principles" , liquidity acts a very important role mercial banks' business . Though the relevant datas show that in recent years, the rate of bad loans of mercial banks has keep up with or even lower than some other excellent international banks'. But after having looked up through out the relevant datas, we can find that, in fact, the rate of bad loans does really be lowered when the scale of loans have been , in this case, the sum of bad loans is still growing as the sum of total loans is growing much more, while the rate of bad loans has been lowered effectively. There's no doubt that it's bad for mercial banks' business. This essay bine the relevant datas to discuss the influence of bad loans to mercial banks' business from the view of liquidity, and at the same time put forward some relevant suggestions. Keywords: Commercial Bank ; Bad Loan ; Liquidity 一、引言不良贷款是指银行贷款五级分类中的次级、可疑和损失这三类贷款,在一定程度上对商业银行的流动性有着不容忽视的影响,而流动性被视为商业银行保持经营活力的极为重要的一个因素。虽然近年来我国商业银行的不良贷款比率实现了有效的降低,但是从当下降低不良