论文部分内容阅读
2008年次贷危机发生后,中国实体经济发展放缓与个人收入的受损对商业银行的信贷需求造成了影响,大型企业、中小企业及个人的贷款需求大幅下降。2010年中国政府为扩大内需、促进经济增长投资4万亿,十项措施之一为加大金融对经济增长的支持力度,取消对商业银行信贷规模的限制,合理扩大信贷规模。商业银行在宽松的经济政策下加大信贷扩张便会带来信贷资产质量的问题,2014年末商业银行的不良资产出现“双升”。
After the subprime mortgage crisis in 2008, China’s real economy slowed down and personal income impaired the credit demand of commercial banks. The demand for loans of large enterprises, small and medium-sized enterprises and individuals dropped significantly. In 2010, the Chinese government invested 4 trillion yuan to expand domestic demand and promote economic growth. One of the 10 measures was to increase financial support for economic growth, eliminate restrictions on the credit scale of commercial banks and rationally expand the scale of credit. Commercial banks in the loose economic policies to expand credit expansion will bring the issue of credit asset quality, commercial banks at the end of 2014 the non-performing assets “double rise ”.