Research On The Influencing Factors And The Countermeasures Of China Commercial Banks Non-performing Loans Under The New Economic Normality

After entering the new normal in 2012,China's economic growth rate began to fall.With the adjustment of the economic structure,some enterprises have problems in operation.Many credit risks that were originally concealed during the high-speed growth period have begun to be exposed,resulting “double rise” in the continued non-performing loans of commercial banks.By the end of 2018,the balance of non-performing loans of commercial banks was 2.054 trillion yuan,and the non-performing loan ratio was 1.83%,which was 310.91% and 92.63% higher than that of the same period of 2012.It can be seen that the quality of credit assets of commercial banks in China has dropped significantly and the risks have been increasing.Non-performing loans will not only have a crucial impact on the management,profitability and core competitiveness of commercial banks.In severe cases,they may also trigger a liquidity crisis and even lead to a financial crisis.Therefore,under the new economic normal,what factors will be affected by the non-performing loans of commercial banks in China,and what effective measures should be taken to prevent the increase of non-performing loans in the current stage of credit assets of commercial banks is an important issue worthy of our study.Based on the background and research significance of the topic,this paper reviews the research status of non-performing loans by scholars at home and abroad,and then systematically expounds the theory of non-performing loans.Then using a large amount of data to analyze the current situation of China's non-performing loans under the new economic normal from the three aspects of the total amount and structure of non-performing loans,the distribution of different types of banks,industry and regional distribution,and explored the reasons of non-performing loans from the external and internal perspectives.Afterwards,the paper mainly analyzes the main influencing factors of non-performing loans of various types of commercial banks under the new economic normal.Finally,based on the results of qualitative and quantitative analysis,it puts forward the countermeasures for non-performing loans of commercial banks in China under the new economic normal.