A Study On The Influencing Factors Of Industrial And Commercial Bank Of China's Non-performing Loans

During the global financial crisis in 2008,China formulated scientific and effective coping strategies to minimize economic losses.Finance live,economy live;Strong economy,strong finance.The finance industry has the core pillar function in the modern economy,is our country manufacturing industry carries on the financing the important channel,has the vital value significance to the national economy.The 2017 ICBC annual report shows that ICBC's Non-Performing Loan loan balance and Non-Performing Loan loan rate have both dropped.As the state-owned commercial bank with the largest assets,its Non-Performing Loan loan ratio has declined for six consecutive quarters,and the credit risk prevention and control effect is very good.Therefore,the study and analysis of the influence factors of ICBC's Non-Performing Loan loans have certain guiding significance for resolving the Non-Performing Loan loans and reducing the Non-Performing Loan loan ratio.Firstly,this paper introduces the research background and significance,research methods,innovation and shortcomings,etc.,through a comprehensive analysis of scholars at home and abroad on the factors affecting the Non-Performing Loan loan ratio,the definition and classification of Non-Performing Loan loans are defined,and the quantitative indicators are determined.Then it introduces the Non-Performing Loan loan situation of ICBC and makes theoretical analysis.Next,using empirical analysis,the regression model was selected to verify the correlation.Macroeconomic changes and Banks'own operating performance have a great impact on the Non-Performing Loan loan ratio of ICBC.If the economy develops well and the macro-control is effective,ICBC's own scale expansion is moderate and its profit is enhanced,and the Non-Performing Loan loan ratio will naturally be low.The development of the industry also has an impact on the Non-Performing Loan loan ratio of ICBC.According to the regression results,the lag of Non-Performing Loan loan ratio is verified.Finally,according to the research results,some constructive Suggestions are put forward to the government behavior,regulatory departments and banking institutions.Government departments should adhere to the principle of marketization to promote economic development;To build an all-round social credit system and optimize the financial environment;Strengthen communication with financial institutions,timely exchange of information,improve financial efficiency.Regulators need to know the full extent of the risks involved,adjust their regulatory policies at the right time,make full use of the punishment results,and severely punish institutions that frequently cause problems.The bank must strengthen the collection strength,adopts the diversification method to deal with the bad assets;Strengthen loan management to prevent new Non-Performing Loan loans from emerging after the Non-Performing Loan loans are cleaned up;Strengthen cooperation with judicial departments to improve the efficiency of implementation.