A Research On Influencing Factors Of NPLs Of Banks

The non-performing loans of commercial banks refers to the principal and interest of the borrower cannot repay loans in accordance with the original signed agreement to repay the loan within the stipulated time,or in the process of repaying the loans could not be in full and on time to repay borrowed loans from commercial banks,the problems of the loan is called non-performing loans of commercial banks.Due to the formation of the United States before the subprime crisis makes the world a profound understanding of this problem,we should pay attention to remind the problem of non-performing loans,accurate and reasonable interpretation of non-performing loans causes and find out ways to deal with bad loans.The Agricultural Bank was established in February 8th,1996,is a company funded by state-owned shares,legal person Stocks,foreign shares and public shares and other shares of joint-stock commercial banks,is an implementation of a legal system of commercial banks.Through the analysis of non-performing loans of Agricultural Bank can understand the banks' assets and liabilities,so that the bank's governance structure is reasonable.The bank's asset management capabilities are good enough.Asset quality is good.In recent years,China's economy is facing greater downward pressure,non-performing loans of the commercial banks to accelerate the upward momentum.For the rate of bad loans in the banking sector,select the highest rate of non-performing loans of state-owned commercial banks in the Agricultural Bank of Chinese as the research object.Firstly,we analyze the current situation of the theoretical basis of non-performing loans and Agricultural Bank of China's non-performing loan ratio.From the first quarter of 2012 to the first quarter of 2017 Agricultural Bank Chinese non-performing loan ratio for the sample data,and select the quarterly GDP growth rate,the growth rate of the money supply,the manufacturing industry(PMI)three macroeconomic indicators,and the Agricultural Bank of Chinese.The adequacy ratio and provision coverage,loans and total debt ratio and net profit four microeconomic indicators.Secondly,we analyze through the establishment of regression model,the empirical analysis.The results showed that except for loans to total debt ratio and non-performing loan ratio are positively related,other indexes and reverse changes.Finally,we put forward the counter measure of reducing and that the rate of non-performing loans,such as loans extended a new direction,selectively loans.