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本科毕业设计（论文） 题目 经济波动对商业银行不良贷款的影响 学 院 经济与管理学院 年 级 10级 专 业 财务管理 班 级 3班 学 号 020410320 学生姓名 叶静瑕 指导教师 王英姿 职 称 副教授 论文提交日期 2014年4月23日 常熟理工学院本科毕业设计(论文论文 经济波动对商业银行不良贷款的影响 摘 要 银行的不良贷款对于商业银行来说至关重要，对其核心的竞争力和盈利能力有着重要的影响，同时也对商业的银行的调控能力和安全有着至关重要的作用。商业银行的不良贷款必须控制在一定的范围内，否则将会影响商业银行的整体运行。对商业银行的不良贷款的相关管理，要找到科学的途径。商业银行的不良贷款的影响因素有很多，其中经济波动是其重要的一方面，本文从此处着眼，首先对经济波动和商业银行不良贷款等相关的理论进行梳理，其次从商业银行不良贷款的现状分析经济波动的影响范围与影响力度，然后对从现状找出经济波动对商业银行不良贷款的原因，最后，根据原因分析提出商业银行改善不良贷款的具体措施。本文的研究为商业银行不良贷款的处理做出相关参考。 关键词：经济波动；商业银行；不良贷款 The impact of economic fluctuations on non-performing loans of commercial banks Abstract Non-performing loans of banks is essential to its core competitiveness and profitability has important implications for the commercial banks, but also on the regulatory capacity of commercial banks and security has a vital role. Non-performing loans of commercial banks must be controlled within a certain range, otherwise it will affect the overall operation of commercial banks. Non-performing loans of commercial banks related to management, to find a scientific way. Factors commercial banks have a lot of bad loans, which is an important economic fluctuations on the one hand, this paper focuses here, first of all of the relevant theory of economic fluctuations and non-performing loans of commercial banks to sort out, followed by bad loans from commercial banks, the status quo analyze the economic impact of the scope and impact of fluctuations in the intensity, and then find out from the current situation of economic fluctuations on the reasons for non-performing loans of commercial banks, and finally, the analysis based on the reasons put forward concrete measures to improve the non-performing loans of commercial banks. Treatment of this paper for commercial banks to make bad loans related reference. Key Words: Economic fluctuations; commercial banks; non-performing loans 目 录 1.绪