An Analysis Of The Influencing Factors Of Retail Non-performing Loans In Commercial Banks

Under the influence of the current domestic economic growth and the overall economic downturn,the pressure on the quality of credit assets in banks has increased sharply,and nonperforming loans have continued to grow.It is of practical significance to analyze the influencing factors of NPLs and find out the management methods of key influencing factors to reduce the bad loans of banks and promote the healthy and sustainable development of credit business.The retail loan,retail loan interest rate,retail guarantee method,retail customer type,retail customer credit rating,retail retail credit rating,retail credit rating,and retail credit rating.This paper constructs the Logit model and analyzes the factors that affect the bank's non-performing loans through the regression method.The results show that the loan amount,loan term,customer credit rating are significantly positively correlated with the bank retail non-performing loan,which is significantly negatively related to the loan interest rate and the loan guarantee way,and the relationship is not obvious with the industry characteristic and customer type.Based on the result of empirical test,combining with the characteristics of regional industry and the characteristics of its own business,this paper puts forward a new way to improve the risk management of internal and external credit of banks by optimizing the internal credit decision-making and strengthening the internal credit management of banks.Recommendations for retail nonperforming loan risk.Emphasis on the design of bank credit products,credit management and other internal factors of importance.