Research On The Influencing Factors And Management Strategies Of China's Commercial Banks Non-performing Loans Under The New Economic Normality

Since New economic normality,many industries in China in the process of development has negative influence,and this is also so for the commercial banks,commercial banks in the period of planned economy,the undertaking of China's capital settlement and payment functions,is a purely state-owned bank on,whether it is business model and management style are largely loopholes,and it is precisely because of these loopholes,became the origin of the problem of non-performing loans of commercial banks at present.Although the problem of non-performing loans to commercial banks,since both the state and the banks themselves are Continue to carry out the corresponding countermeasures to solve,in improving the process to solve the problem of non-performing loans of commercial banks to play a helpful role,but it is undeniable that the current problem of non-performing loans of commercial banks in China still exist,and outstanding performance in the balance of non-performing loans is still large,potentially adverse the loan is growing.In the economic development of our country in a gentle period,such as the real estate industry,the development of manufacturing industry and the import and export trade in some industries is not bad,and this is the problem of non-performing loans of commercial banks have played a catalytic effect greatly.So in this case.Active exploration The problem of non-performing loans of commercial banks in our country,analyze the influencing factors of non-performing loans,which is not only good for the development of China's commercial banks play a very important role,at the same time for the sound development of China's economy will have very important significance.This paper is mainly divided into five parts: firstly,the background and significance of this research based on the summary of this study were discussed;then,the concept of non-performing loans of commercial banks this paper studies factors influence and management countermeasures and theories are summarized and the general node,in order to support to the theory for this study;secondly,detailed analysis of the causes for the current situation under the new economic situation,China's commercial banks non-performing loans and non-performing loan problem,two of them in the perspective of the stock status analysis and incremental start,in the analysis of reasons,starting from the two macro and micro level,in order to more detailed analysis The status quo and causes of non-performing loans;thirdly,is the influence factors of the non-performing loans of commercial banks in China the empirical analysis,we selected 5 state-controlled commercial banks and 5 joint-stock commercial banks as the research object,firstly,relevant explanatory variables are defined and described Hu,then establish regression model.In order to analyze the relevant explanatory variables for non-performing loans this explanatory variables influence and contribution rate;finally,based on the analysis of this thesis,from the micro and red two aspects the problem of non-performing loans of commercial banks to put forward the corresponding countermeasures,in order to better solve for China's commercial banks non-performing The loan problem plays a certain reference.