Study On The Influence Of Credit Structure Of China's Commercial Banks On Non-performing Loan Ratio

Credit business of commercial banks in our country has always been the main source of income,credit business is directly related to the non-performing loans of commercial banks.So,paying attention to the credit business of commercial banks is as important as to focus on the bad loans of commercial banks,these two aspects can response risks faced by commercial banks.Judging from the current situation in our country,there is intense competition between state-owned commercial banks,joint-stock commercial banks and city commercial banks,in order to obtain more profits,a lot of banks are willing to take more risk.Because the Chinese economy comes into the new normal and the entity economy is not good,these can also lead to produce more bad loans of the commercial banks.Although non-performing loans of commercial banks in China has been controlled in a relatively stable level,and is far less than non-performing loan ratio of foreign banks,but in recent years,China's non-performing loan ratio of commercial banks really has a different degree of growth,it also causes our attention to prevent the bad loans of commercial banks and takes appropriate measures.This paper starts from the background and significance of research,elaborating the importance of how the commercial banks' credit structure influences the non-performing loans.The domestic and foreign scholars determinedly elaborate views and opinions of the credit structure and the non-performing loans of commercial banks.Then,the credit structure and the current situation of non-performing loan ratio of our country's national commercial banks,state-owned commercial banks,joint-stock commercial banks are analyzed respectively,describing the three have different characteristics and analyzing differences between state-owned commercial banks and joint-stock commercial banks.This part is mainly from the perspective of normative analysis and qualitative to illustrate the different types of commercial banks in the credit structure and the characteristics of the non-performing loan ratio.The most important part of the article is the empirical analysis.This paper selects the annual data from 2008 to 2016 of five state-owned commercial banks and eight joint-stock commercial banks,through the regression analysis to get the seven major industries(manufacturing industry,electricity and gas,construction,transportation,real estate,leasing and business services,water conservation)loans rate comparing the influence of the non-performing loan ratio,from the perspective of empirical analysis and quantitative to study the seven major industries loans ratio on the non-performing loan ratio and contribution.Through the above analysis and get the corresponding conclusion,and according to the conclusion that the five state-owned commercial banks and eight joint-stock commercial banks have its own characteristics,then put forward concrete and effective conclusion.Strengthen commercial banks' review of loan access qualification and assess of repayment ability,tracking of loan flows to control the non-performing loan ratio of commercial banks.