Study On The Influencing Factors And Preventing Disposal Of Non-Performing Loans Of QS Bank Under The New Economic Situation

In recent years,with the internal and external situation of the continuous development and changes,non-performing loan indicators has become an important indicator of measuring and restricting the development of the banking industry.Since the outbreak of the SME liquidity crisis in the second half of 2011,the long-term low rate of domestic commercial banks has been gradually broken.By 2012,the risk has gradually spread from Wenzhou to Zhejiang,Yangtze River Delta,coastal areas and 2014 Year to 2016 years,non-performing assets in the country began to spread everywhere,the end of the first quarter of 2016,the national banking industry and concerned about the total scale of loans as high as 7 trillion,bad accounted for 6.8%,we can see that the domestic banks Do not bear the great pressure of non-performing assets rebound.It should be said that in the context of macroeconomic downturn,the rise in non-performing loan rate is a high probability event,which is a common problem faced by all banks.From the macroeconomic policy analysis,the future new non-performing rate mainly depends on three indicators: macroeconomic growth,monetary policy conditions,structural adjustment process.From the micro-individual analysis,non-performing loans are mainly from the commercial banks own risk control and lenders of the funding chain break.Based on the research of domestic and foreign scholars,this paper analyzes the actual situation of QS bank nonperforming loan by using credit risk management theory and commercial bank loan management theory,and finds out the risk of QS bank loan management Hidden danger.Then,the qualitative analysis of the influencing factors of QS bank non-performing loans from the macro and micro angles is taken,and the gross domestic product(GDP),money supply(M2),local fiscal expenditure(EX),customer credit rating(QYGM),customer economic type(JJLX)for qualitative analysis of the explanatory variables of the bad loan ratio(BLDK)for the explanatory variables,and found that only the money supply,local fiscal expenditure and customer credit The rating has a significant impact on the generation of bad loans in QS banks.Finally,according to the above analysis,targeted to put forward the QS Bank bad loans to prevent and dispose of the proposal.