Analysis On Non-performing Loan Ratio Influence Factors Of Chinese Joint-stock Commercial Banks

Non-performing loan ratio is the proportion that non-performing loans of the financial institution accounted for the total loan balance,is an important indicator to measure the bank's balance sheets whether is good or not,is also the focus so that the bank has to monitor its process continuously.In recent years,with the reform of the financial system,the shareholding share of commercial Banks in the financial market is gradually increasing,the financial enterprises are playing a more and more important role in the development,but high levels of bad loans is the main reason for restricting its development,so it is very necessary to analyze its influence factors,and is easier to find out the existing problems in the development,so as to formulate scientific and rational policy,promote them to develop healthily and rapid,it is the very significant.This paper studies the joint-stock commercial bank's non-performing loan ratio factors,including four parts.First,the status of non-performing loans of joint-stock commercial banks were analyzed;Secondly,mainly analysed qualitative the factors of affecting the joint-stock commercial banks non-performing loan ratio from the banking and business perspective.Combining with qualitative analysis to select the main impact indicators,and have a preliminary Introduction for Panel data model;Then with panel data fixed effects model to conduct empirical analysis about the influence factors of affecting stock commercial banks non-performing loan ratio,results of analysis are as follows: The total return on assets,capital adequacy ratio,special-mentioned loan migration rate and the maximum concentration of ten loans are the main factors of affecting non-performing loans ratio,respectively reflecting the profitability,risk control ability,loan migration and the concentration of loans;special-mentioned loan migration rate and the maximum concentration of ten customers loans and non-performing loan ratio showed a positive correlation;Return on total assets and capital adequacy ratio and NPL ratio was negatively correlated;capital adequacy ratio of the degree of impact on the non-performing loan ratio is the largest and maximum concentration of ten customers loans of the degree of impact on the non-performing loan ratio is minimal.Finally,according to the results of empirical analysis,for the main factors put forward to resolve countermeasures and suggestions to control non-performing loans.Innovation:Study the main factors of joint-stock commercial bank's non-performing loan ratio and doing the empirical analysis,narrowing the scope of the study,more targeted,prompting joint-stock commercial banks to focus on the main factors of NPL ratio,reducing its non-performing loan ratio.Disadvantages: The listing time of some joint-stock commercial banks are shorter,less data are available,a few part of them are still not listed,non-performing loans data are not available.In the the process of empirical analysis,only select eight listed in joint-stock commercial banks of seven years data to analyze.It is may be different from the actual results,the error needs further research.