The Study On The Impact Of Factors On Loan Risk Of Commercial Banks In China

The risk of commercial bank loan will directly affect its own operating conditions and future development.The higher risk of commercial bank loans will also affect the stability of the whole financial system and even have a significant adverse effect on the sustained and healthy development of China's economy.Strengthening the management of the credit risk of China's commercial banks is of great significance.To strengthen the risk management of commercial bank loans,we should find a strong direction,that is,what factors will affect the firm's loan risk.China's economy has experienced rapid development in recent years into a stable period,the economic environment has undergone tremendous changes,commercial banks,credit risk will inevitably change.Banks need to adapt to the new environment,targeted to put forward in the new environment to control the risk of loans.China's commercial banks face the greatest risk is the risk of loans.The analysis of loan risk based on information asymmetry is imminent.And the degree of asymmetry of the information between the bank and the loan recipient determines the bank risk of the loan to a large extent.Commercial bank loan risk mainly can not recover the loan interest and the bad loan when it expires.Based on the classification of the specific performance of loan risk,this paper analyzes the overall situation of non-performing loans and expounds the characteristics of the loan risk of commercial banks in China.We focus on the qualitative and quantitative analysis of the factors affecting the risk of commercial bank loans.This paper is based on the external banks of commercial banks,the commercial banks themselves and the loan counterparts respectively.Based on the commercial banks(non-performing loan rate)by the end of 2010 and the end of 2015,the national industrial enterprises(industrial enterprises Profit growth rate)and the external economic environment(GDP growth rate,M2 growth rate,and inflation rate)quarterly data,the use of measurement methods to analyze the long-term impact of these factors on the risk of loans.Based on the analysis of the influencing factors of the loan risk of China's commercial banks,we discuss the ways in which commercial banks,enterprises and supervisors can prevent the risk of controlling loans,and put forward countermeasures based on this.For China's commercial banks themselves should strengthen the management of loans,the specific ways are: to improve the awareness of commercial banks practitioners risk management,improve the credit system,the introduction of a reasonable incentive mechanism to retain talent,streamlining management level to improve the efficiency of information transmission,The current economic conditions of the loan risk measurement model;from the loan to the other side of the enterprise point of view,to prevent loan risk measures to improve the sense of integrity and credit level is the most important,in addition to broaden the financing channels,the rational use of funds and promote the industry Structural adjustment and other aspects of efforts;and government regulators should focus on creating a safe and efficient external market environment,the specific countermeasures are as follows: improve laws and regulations,as soon as possible to establish a credit system covering the whole society,open up an effective channel for inter-bank information exchange,Change the mode of development and support the transformation and upgrading of enterprises.