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银行的不良资产固然与企业的经营状况相关,但其自身技术性创新也起着推波助澜的作用。近期随着上市银行陆续公布2013年中报,16家上市银行中13家不良率均较2012年年末有所上升。商业银行暴露的不良资产及其对经济的影响再次成为人们关注的焦点。不良率回升自2010年第四季度以来,国内GDP季度累计同比增速逐季下降,社会普遍预期商业银行不良资产会逐渐暴露。但从目前的数据上看,商业银行
Although the non-performing assets of the bank are related to the business conditions of the enterprises, its own technical innovation also plays a role in fueling the non-performing assets. Recently, as the listed banks announced their 2013 interim reports in succession, 13 of the 16 listed banks increased their NPL ratio from the end of 2012. The non-performing assets exposed by commercial banks and their impact on the economy have once again become the focus of attention. Non-performing rate rebounded Since the fourth quarter of 2010, the cumulative domestic GDP growth quarter-on-quarter decline, the community generally expected commercial banks will gradually expose the non-performing assets. However, from the current data point of view, commercial banks