金融科技背景下商业银行不良资产处置策略研究

Research on Disposal Strategies of Non-Performing Assets of Commercial Banks under the Background of Fintech

摘要: 不良资产处置不善会严重阻碍商业银行的可持续发展，当前我国商业银行不良资产比例不断上升，不良资产问题中不确定性因素不断增加，提升资产质量与处置效率已成为商业银行的一项重要任务。文章深入分析了金融科技背景下商业银行不良资产处置过程中存在的问题，并结合大数据、人工智能、区块链等核心技术提出了优化策略，以期对商业银行有效处置不良资产有所裨益。

Abstract: Improper disposal of non-performing assets can severely hinder the sustainable development of commercial banks. Currently, the proportion of non-performing assets in China’s commercial banks is continuously rising, and uncertainties in the non-performing asset issue are increasing. Improving asset quality and disposal efficiency has become an urgent task for commercial banks. This article deeply analyzes the problems existing in the disposal process of non-performing assets of commercial banks under the background of financial technology, and proposes optimization strategies in combination with core technologies such as big data, artificial intelligence, and blockchain, with the hope of benefiting commercial banks in effectively disposing of non-performing assets.