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因此，对不良贷款产生的原因及控制措施的研究，对解决中国商业银行的不良
贷款问题意义深远，本人长期在银行基层工作，主要从事授信业务的审查审批工作，
在实际工作中遇到了大量的实际案例，积累了一定的防范信用风险经验。本论文从
分析当前国际国内的宏观经济形势分析入手，引领出当前经济形势下，商业银行不
良贷款的变化趋势，以及形成的原因及行业分布，然后针对面临的这种情况提出贷
款三查是防范不良贷款的重要手段。利用实际工作经验采用“经验研究法”论证了贷
款三查过程中的有效控制方法及应该要注意的问题，并根据当前的具体情况，对划
转不良贷款提出了可借鉴性的建议。由于本人从事实际工作的原因，在具体操作层
面有更多的经验。希望能够给于当前正面临不良困惑的金融界同仁一点启示
关键词：商业银行；不良贷款；控制措施III
Abstract
As is known to all that China has made remarkable achievements in economic
construction since the reform and open policy. Through the reform of economic system,
China has succeeded in breaking the traditional planned economic system, and
preliminarily established the socialist market economy system.China has achieved
sustained and high economic growth in economic in the last 30 years, which is a miracle
in China&39;s economic history. With the rapid economic development, the financial industry
in China enjoys the benefit of the economic revolution of China. Based on the datareleased
by the China Banking Regulatory Commission, as of the end of the fourthquarter in 2015,
the total domestic and foreign currency of the banking institutions in Chinese banking
industry is 199.3 trillion yuan, and the net profit in the same year is 1.5926 trillion yuan.
However, the economy growth has fallen continuously from 2010-2015, since the financial
crisis in 2008. The specific performances are as following: the widespread of the bank
loans, frequent credit risks, and spiralingnon-performing loans ratio in commercial banks.
At present, the credit risk has become thelargest potentialrisk to all commercial banks.
Thus, the study on the causes of non-performing loans and regulatory measures has a
profound impact on the solutions to non-performing loans of thecommercial banks of
China. I have been working at the bank’s grassroots level, and engaged in reviewing and
approving credit businesses. As a result, I have come acrosslots ofpractical cases in our
work and gathered experience of credit risk resistance. Starting with theanalysis on current
international and domestic macroeconomic situation, thetendency and causes of thenon-
performanceloans of commercial banks, as well as the industrial distributionin the present
economic situation are analyzed in this thesis. At last, in view of this situation, I put forward
that the three examinations system is an important means to prevent non-
performanceloans. Based on practical work experience, the effective control methods and
the main problems which should be paid attention to in the three examinations system
are demonstrated by Experiential Research Method. And according to the specific
circumstance at present, directivesuggestions are put forward to transfer the non-
performanceloans. Engaged in practical work, I have more experience on specific
operations. I hope this can provide some tips for the colleagues in financial circles who are
facing the confusions.
Key Words: Commercial bank; Non-performance loan; Regulatory measure目 录
摘要...........I
Abstract ... III
第 1 章 绪论...........1
1.1 研究背景....1
1.2 经济新常态及金融新常态2
1.2.1 经济“新常态”的概念 ..........2
1.2.2 中国“经济新常态”的具体表现 ......3
1.2.3 经济新常态下的各方面指标的变化..........3
1.3“金融新常态”下的商业银行.........4
1.4 研究意义....5
1.5 研究思路和结构....5
第 2 章 商业银行不良贷款及其影响......7
2.1 商业银行概述........7
2.2“不良贷款”概述.....7
2.3 不良贷款的发展史8
2.4 国内不良贷款现状9
2.5 不良贷款对国民经济及商业银行的影响..........12
第 3 章 商业银行不良贷款成因分析....15
3.1 银行自身内部原因..........15
3.2 借款人方面的原因..........16
3.3 其它方面的原因..17
第 4 章 从行业视角看商业银行不良贷款分布19
4.1 银行业面临的国内行业现状......19
4.2 商业银行面对行业现状应该采取的行业策略 .20
4.3 商业银行不良贷款行业分布特征..........21
4.4 主要行业风险原因分析..21
第 5 章 银行授信过程中的风险控制措施........25
5.1 商业银行授信业务的基本操作流程......25
5.2 贷款三查是授信过程中的主要风险控制措施 25
5.3 贷款三查的主要内容.....25
5.3.1 信贷业务的申请与受理....255.3.2 信贷业务尽职调查26
5.3.3 贷中审查及审批....27
5.3.4 信贷合同的签订与发放....28
5.3.5 信贷业务的贷后管理........28
5.3.6 贷后管理的具体操作要点28
5.3.7 贷款收回.........
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