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China is currently in a complex period of “three-phase superposition”. Under the new normal of the economy Financial deleveraging has achieved certain results. However, the non-performing loan ratio of commercial banks has shown a continuous upward trend since 2015. The empirical results show that the degree of internalization of commercial banks, credit balances, and gross domestic product have a negative impact on the NPL ratio, and the cost-to-income ratio and leverage ratio have a positive impact on the NPL ratio. Therefore, commercial banks should vigorously develop digital technology, expand the scale of credit, use technological advantages to reduce costs, establish an appropriate level of leverage, and effectively reduce the non-performing loan ratio to improve the asset quality of commercial banks.

Research on the Influencing Factors of Commercial Banks’ Bad Loans under the New Normal of Economy