Research On The Warning Rate Of Bad Loans Of Commercial Banks In China

The bank's bad loan problem has been highly concerned,the size of the non-performing loans,not only affects the profitability of banks,stability and core competitiveness,and sometimes even the financial crisis.Since 2013,non-performing loans increased for more than a dozen consecutive quarters,especially in 2015,the rate of non-performing loans grew too fast,it has aroused widespread concern.The continued rise in non-performing loan ratio would endanger commercial banks.This paper uses empirical research on Influencing Factors of China's commercial banks non-performing loan rate,and a quantitative calculation of China's commercial banks non-performing loan ratio and non-performing loans cordon line generation rate,thus draws the conclusion and puts forward the preventive measures,is of great practical significance.In the first part,the research background and related concepts of community and the domestic and foreign literature research achievements about nonperforming loans;in the second part of this paper introduces the analysis of the causes of non-performing loans of commercial banks in China through theory;in the third part of this paper mainly from the perspective of stock increment and introduces the status quo of China's bad loan and the reasons from the reality analysis bad loans;establishment of panel data model in the fourth part of this paper uses 16 listed commercial banks 2004-2015 a total of 12 years of data for empirical analysis,to study the influencing factors of non-performing loan ratio of commercial banks from two aspects of macro economic environment and the calculation of commercial banks,and put forward the policy recommendations which lays the foundation for later in modeling;in the fifth part,through the modeling calculation of non-performing loan ratio of commercial banks of the cordon and the rate of non-performing loans to generate warning In the sixth part of the paper,the policy recommendations are put forward,and the conclusion of the article is summarized.Calculate the rate of non-performing loans and non-performing loan rate of generating line warning line through the modeling of the commercial banks in this paper,the calculation model of the actual rate of non-performing loans and non-performing loan ratio cordon has obvious difference,the actual commercial bank non-performing loan generation rate and the rate of non-performing loans to generate the cordon has obvious difference then,that rate of non-performing loans in the commercial banks and the rate of non-performing loans to generate all in the security line,the rate of non-performing loans of commercial banks and the rate of non-performing loans to generate and will not bring the crisis to the bank,the financial industry is not too alarmed.