Research On The Generation Of Non-performing Loans Of Shanghai Pudong Development Bank

In recent years,the commercial bank non-performing loans continue to double up,at the same time,the country's economic growth is slowing,domestic corporate profits decline,default increases,the stock market turmoil worsen credit financing situation is further reversed transmission of non-performing loans.So study the production of the non-performing loan cycle,find out the root cause of non-performing loans to generate,from the source to reduce non-performing loans have become particularly important.This paper will be in Shanghai Pudong Development Bank,for example,to our country commercial bank non-performing loans generated cycle were analyzed.The formation of non-performing loans inevitably affected by the macroeconomic environment,Shanghai Pudong Development Bank management efficiency and effect of the total loan,therefore,this article will be from 2004 to 2016,according to its quarterly data distribution lag model,analysis the influence variables of early influence on bad loans,at the same time through the impulse response function and variance decomposition analysis of each variable early how to promote the formation of commercial bank non-performing loans,on the basis of thorough analysis of formation of non-performing loans,the lower the advice of the non-performing loan ratio.