互联网金融背景下我国商业银行不良资产形成的原因及对策摘要：随着我国互联网技术与金融经济的不断融合与发展，我国互联网金融也在不断地发展。伴随着这种互联网金融的产生和发展，给传统商业银行带来了一定的冲击。在这种冲击的情况下，作为金融业重要组成部分的商业银行正处于一个关键的节点。随着各种互联网金融平台的兴起与发展，对于依赖传统债务业务获取利差收益的商业银行影响深远。在这互联网金融时代的到来之际，传统商业银行希望取得一个更长远的发展，就需要不断加快自我升级的脚步，在不良资产方面取得更大的进步。本文主要是探讨在互联网金融背景下中国商业银行不良资产形成的原因，并根据其原因给出一些相关的对策，使得商业银行在互联网金融背景下能够更好地去应对不良资产所带来的问题。为我国商业银行在互联网金融背景下处置不良资产提供了一些相关的建议。关键词：互联网金融，商业银行，不良资产Reasons and Countermeasures for the Formation ofNon-performing Assets of Commercial Banks in China underthe Background of Internet FinanceWith the continuous integration of Internet technology and financial economy,China's Internetfinance is also developing rapidly.With the emergence and development of this Internet finance,ithasbrought a certain impact to traditional commercial banks.Under such circumstances,commercial banksare at a critical turning point.With the rise and development of Internet financial platforms,commercialbanks that rely on traditional debt business for profit spreads have a profound impact.With the adventof the Internet finance era,traditional commercial banks wishing to achieve a longer-term developmentneed to constantly accelerate the pace of self-upgrading and make greater progress in non-performingassets.This article mainly discusses the reasons for the formation of non-performing assets of Chinesecommercial banks in the context of Internet finance and gives some related countermeasures accordingto the reasons.In the context of Internet finance,commercial banks can better deal with the problemscaused by non-performing assets.It provides some relevant suggestions for China's commercial banksto dispose of non-performing assets in the context of Internet finance.Keywords:online finance,Commercial banks,Non-performing assets目录第1章绪论…11.1.研究背景和意义…11.1.1互联网金融背景与不良资产分析...·11.2研究目的及意义…21.2.1研究的目的.21.3课题研究方法和内容.31.3.1研究内容31.4本文创新与不足1.4.2本文不足.…第2章互联网金融概述62.1互联网金融概念662.2.1投资成本低62.2.2处理效率高662.2.5监控管理弱..72.2.6信用以及安全风险大.73.1内部原因83.1.1.商业银行经营意识不强、风险防范理念淡薄..83.1.2.商业银行经营管理不善.83.2外部原因83.2.1政府不合理干预.3.2.2金融监管力度不够.。93.2.3.银行间的无序竞争..93.2.4.法律法规的不健全3.3.不良资产形成的宏观因素...3.3.1政治制度原因.…103.3.2经济金融体制原因..103.3.3法律制度原因.…103.4.1企业自身方而原因。1011第4章.互联网金融背景下解决我国商业银行不良资产的对策及措施…124.1宏观方面对策…12