对美国相关案例进行了研究，发现企业自身经营情况、宏观经济环境、利率、银

A study of related cases in the United States has found that the company's own operating conditions, macroeconomic environment, interest rates, and the bank's own risk management level are all factors that affect commercial banks' non-performing assets.

The relevant cases in the United States have been studied and found that the enterprise's own business situation, macroeconomic environment, interest rate and the bank's own risk management level are all factors affecting the non-performing assets of commercial banks.

Through the study of relevant cases in the United States, it is found that the operating conditions of enterprises, macroeconomic environment, interest rate and the risk management level of banks are all the factors influencing the non-performing assets of commercial banks.<br>