Analysis Of The Factors Affecting Of Non-performing Loans Of China Minsheng Bank

As an important index to evaluate the development status of banking financial institutions and the security of assets,NPL ratio has been paid more and more attention.In2016,China’s economy is facing greater downward pressure,the majority of listed banks report shows non-performing loans and non-performing loan ratio has shown an upward trend.Minsheng Bank has the maximum rise in non-performing loan ratio of the bank,ranking second in the joint-stock banks.It is of great significance to control the non-performing loans,improve the quality of loans,and reduce the rate of non-performing loans in order to improve the competitiveness and promote the healthy development of Minsheng Bank.First of all,this paper starts from the non-performing loans of Minsheng Bank,and sum up the characteristics of non-performing loans of Minsheng Bank through the analysis of the five categories of non-performing loans of Minsheng Bank,the distribution of the industry,and the comparison with other joint-stock banks.This paper make the theoretical analysis and SVAR model analysis using the degree of financial economy,PMI,liquidity ratio,deposit loan ratio,the proportion of non interest income and bank scale expansion speed to find the influence of various factors on bad loans.Finally,on the basis of the results of empirical analysis,this paper puts forward countermeasures to deal with the non-performing loans from two aspects,namely,to prevent the incremental and resolve the stock.In the prevention of non-performing loans,it is recommended to take measures in two aspects of macro and micro.In order to resolve the non-performing loans,we should do a good job of bad loans,debt collection,transfer and verification work.In addition,government departments should give some policy support to the disposal of non-performing loans.