The Study Of The Influence Of China's Financial Ecological Environment On The Bank Non-performing Loan Rate

Financial ecology is a dynamic balance system developed between the combination of financial operation environment and internal financial organizations.It is the basis to maintain the balance of financial ecology for the healthy operation of the economy which plays an important role in promoting optimal allocation of social resources to boost the industrial restructure and upgrading.Credit risk is the most common financial risk faced by the financial ecological environment,and the bad loans are the main indicators to measure credit risk.From the analysis of previous studies,I founded that there are abundant mature,and perfect research views about bank non-performing loans or financial ecological environment,but the research to explore the credit risk of financial institutions from the perspective of financial ecological environment of literature is rare.Under the complex economic backdrop,the possibility of the outbreak of credit risk concentration will also increase following the economic restructuring and upgrading.Therefore,to carry on the theoretical analysis and empirical research on the combination of the financial ecological environment and the bank's credit risk can provide some new reference direction for the bank to reduce the non-performing loan ratio and reduce the credit risk.The first chapter is the introduction part,putting out the background and essence of the study,and through the literature,the author summarizes the deficiency of current research as well as the necessity of research and innovation.finally,the research methods are summarized.The second chapter summarizes the elements of financial ecological environment and its influence path,as well as the definition,classification and related theoretical basis of non-performing loans;The third chapter is to figure out the current situation of China's financial ecological environment and of the bank's non-performing loans to find out the relationship between them;The fourth chapter is the empirical analysis of the influence of the financial ecological environment on the bank non-performing loan rate,and will point out the hypothesis,that illustrate the selection of indicators and data sources.Through descriptive statistics of variables,unit root test,correlation analysis,regression analysis and cointegration analysis,this paper is committed to prove that the financial ecological environment improvement is conducive to reducing bank non-performing loan rate conclusion.Finally,it gives some suggestions on how to improve the financial ecological environment to reduce the rate of bad loans.