Research On China's Commercial Banks' Non-performing Loans Under The New Normal Economy

At present,China in a new normal economy,and the shift of economic growth,structural adjustment and transformation of factor driven into innovation driven to create a new normal stage of the economy.The indirect financing led by banks plays a vital role in the development of the economy.The rate of non-performing loans is an important index to measure the healthy development of the banking industry.It is also a common problem faced by the countries all over the world.In 1999,the four major Asset Management Corporation established by our government was responsible for stripping and disposing of four bad loans,which was effectively controlled by non-performing loans.After 2011,the amount of non-performing loans and the rate of non-performing loans of commercial banks in China are both rising,and the phenomenon of rapid increase is becoming more and more serious.There are different reasons for the non-performing loans at different stages.Based on the study of the causes of the increase of non-performing loans in China's commercial banks under the new normal economic situation,on the one hand,it enriches the theory of non-performing loans,and on the one hand,it has a reference for solving the problem of non-performing loans in the current economic situation.Taking the bad loans of commercial banks as the research object,this paper analyzes the influencing factors of non-performing loans with the methods of comparative analysis,qualitative and quantitative analysis,normative and empirical analysis,and puts forward relevant suggestions.This paper starts from the background and research meaning,research status of non-performing loans to sort out the domestic and foreign scholars,the meaning and formation of non-performing loans are discussed;and then to the new economic norm as the background to analyze the non-performing loans of commercial banks in China present situation and the origin,four aspects separately from the overall structure,and analysis of the current situation of the industry and the region of bad loans,after the two from the perspective of macro and micro causes of non-performing loans generated;in the empirical analysis,using the four indices of GDP,the purchasing managers' index,the price of steel and coal prices of non-performing loans;finally,aiming at these problems,prevention and disposal the non-performing loans of external and internal policy recommendations.