我国城商行不良资产的成因与处置研究.docVIP

PAGE PAGE 21 我国城商行不良资产的成因与处置研究 摘要：随着城市商业银行近几年来的蓬勃发展，其在我国银行业的地位愈发重要，与此同时，不良资产率的偏高日益成为它们进一步发展的绊脚石。本文从定性和定量两个角度对我国城商行不良资产的成因展开分析，并建立多元回归模型，得出GDP增长率、货币供应量增长率与我国城商行的不良贷款率负相关；资产负债率和贷款占总负债比率与银行不良贷款率正相关的结论。同时，在借鉴国内外已有的不良资产处置模式的基础上，本文提出了我国城商行处置不良资产的思路与方式。 关键词：城商行；不良资产率；GDP增长率；多元回归模型 Explore the Problem of Non-performing Assets of City Commercial Banks Abstract: City’s commercial banks are booming in recent years, and their positions in banking industry become increasingly important. At the same time, their non-performing assets become a stumbling block to their further developments. This article vi