Research On The Non-performing Loans Of Commercial Banks And Its Influencing Factors

In recent years,China's economic has entered a new norm.Affected by economic restructuring and the international financial crisis,many enterprises in our country are in a difficult position,and the phenomenon of loan default is increasing,non-performing loans ratio of commercial banks continued to rise from 0.9%in 2011 to 1.74%in 2016,more and more close to China Banking Regulatory Bureau set the 2%risk warning line.The rising rate of non-performing loans of commercial banks has caused a serious negative impact on the operation of commercial banks.If it does not block its future development trend in time,it may even have a significant impact on the real economy and the whole society.Therefore,the party and the state pay close attention to the non-performing loans of commercial banks and its development trend.In 2017 government work report stressed the need to be highly vigilant against the risk of non-performing loans accumulated by commercial banks.So,the research on the non-performing loans of commercial banks and the influencing factors has very important theoretical value and practical significance.This paper mainly studies the non-performing loans of commercial banks in china,and probes into the influence of macroeconomic environment and the characteristics of commercial banks on their non-performing loan ratio.The research conclusions are as follows:(1)the problem of non-performing loans of commercial banks in China is continuing to be exposed,the situation is very grim.Among them,The largest stock of non-performing loans is the state-owned commercial banks.The highest rate of non-performing loans is rural commercial banks.(2)GDP growth has the greatest impact on non-performing loans ratio of joint-stock commercial banks,monetary policy has the greatest impact on non-performing loans ratio of urban commercial banks,loan to deposit ratio and provision coverage of the most obvious impact on non-performing loans ratio rural commercial banks,however,the capital adequacy ratio has the greatest impact on non-performing loans ratio of the state-owned commercial banks.Accordingly,this paper proposes the following policy recommendations:(1)the government's macro regulation and commercial banks supervision itself should be combined,and according to the causes of non-performing loans in different types of banks,to take different measures,different management.(2)to deepen financial reform and optimize the development model of banks,from the source to reduce the emergence of non-performing loans.(3)to make full use of the capital market,increase efforts to dispose of non-performing loans.So as to achieve the control increment,reduce the stock.The innovation of this paper lies in:(1)the research perspective,taking into account the macroeconomic environment and the characteristics of commercial banks,to comparative the difference according to the different types of commercial banks non-performing loans and non-performing loan ratio.(2)research data,descriptive statistics data of the long span of time,fully demonstrate the changes in different stages;the empirical part is selected the data from 2011 to 2016,the main analysis of key factors influencing the rate of bad loans rose.(3)research methods,on the basis of literature research,descriptive statistical analysis and empirical study are carried out to analyze the non-performing loans of commercial banks and its influencing factors.