A Study On The Macro Causes The Problem Of Non-performing Loans Of Commercial Banks In China

China's commercial banks non-performing loan balance and the rate of bad loanshas since the fourth quarter of 2011, has been 12 consecutive quarter of sustained growth. So our asset company for many times, a large number of commercial banksto divest non-performing loans, just from the surface of non-performing loansdecreased greatly, temporarily to ease the pressure of Listed Commercial Bank role,did not resolve the non-performing loans from the essence, so our country commercial bank non-performing loans problems began exposed, and increasinglysevere.This paper tries to analysis our country commercial bank each period(the peakperiod of non-performing loans, gentle, decline period and double phase) of bad loans development, starting from the theoretical level, firstly explores the macrocauses of bad loans. Then, 23 sets of data through a comprehensive finishing the first quarter of 2009 to the third quarter of 2014, multiple linear regression the macro causes of non-performing loans are based on empirical analysis. Select the sevenmacroeconomic factors representative: gross domestic product(GDP), the stock of money(M2), financial income, interest rates, unemployment rate, consumer price index(CPI), the national real estate industry boom index, construct the economicmodel, draw the conclusion: the balance of non-performing loans and consumer price index(CPI), fiscal revenue has negative relation, namely increased above themacro data will lead to reduce non-performing loan balance; balance of non-performing loans and gross domestic product(GDP), interest rate of money stock(M2), the unemployment rate, the real estate industry boom index has positive correlation, that reduce the above macro data will lead to reduce non-performing loan balance. Then, this paper also made a further analysis of the optimization of theinfluence degree of each macro data on non-performing loans, the impact degreeanalysis of the consumer price index and the real estate industry boom index of non-performing loans of the maximum. Finally, combined with the analysis of the theoretical analysis with the empirical results, put forward to prevent overheating, the real estate price stability, and reduce government intervention, promoting green credit monetary policy, adhere to market-oriented countermeasures. Realize from theindirect regulation angle decrease non-performing loan balance, improve the quality of loans. On the stability of China's financial system, has the profound significance to promote the healthy development of economy.