The Analysis Of The Factors Affecting The Non-performing Loan Ratio Of Joint-stock Banks

The quality of banking loans is directly related to the healthy survival and development of commercial banks,but also related to the stability of China's financial system,the healthy operation of society and the sustainability of economic development.From the end of 2007 to the beginning of 2008 the US subprime mortgage crisis broke out to the world far-reaching impact,the fundamental reason is that banks are keen on high-yield subprime mortgage loans and ignore the hidden risks,Which has led to the deterioration of the problem of non-performing loans in various countries in recent years,which has become one of the hot issues of national concern.China's government has taken positive measures in the face of high non-performing loans,formulated relevant laws and regulations and established asset management companies to deal with non-performing assets.However,due to the huge stock of nonperforming loans,the effect is not very obvious,and the measures to deal with nonperforming loans are mostly for large state-owned commercial banks,which makes the non-performing loans of joint-stock banks lack of effective digestion channels,resulting in its non-performing loan rate increased year by year,and in a growing vicious circle,the problem is very grim.This paper expounds the status quo of the repeated deterioration of the number of non-performing loans and the proportion of double-interest,loan concentration and non-performing loan migration rate and the decline of provision coverage rate of the eight A-share listed commercial banks.This paper analyzes the reasons for the increase of non-performing loans of joint-stock banks from macro and micro aspects,and the empirical analysis method of regression analysis is used to verify the influencing factors of the non-performing loan ratio,an Analysis of the Factors Affecting the Nonperforming Loan of Joint-stock Commercial Banks.Macro-level by improving the ownership structure of joint-stock banks to speed up the construction of social credit system,micro-speed up the establishment and improvement of joint-stock banks for non-performing loans "stripping" system to enhance the joint-stock banks to adapt to macroeconomic capacity,improve the overall quality of credit personnel and Strict loan approval procedures.It is hoped that these measures will reduce the non-performing loan rate of joint-stock commercial banks and reduce the possibility of non-performing loans.