Study On The Causes Of Non-Performing Loans In China'S Commercial Banks

Enter the "new normal" of economic development in recent years,economic growth is slowing,further optimization of industrial structure adjustment,the banking competition intensifying,commercial bank profit growth also become "new normal" of the banking sector,double-digit growth has become the past tense,the unreasonable credit balance of non-performing loans increased year by year,increasing pressure of asset quality,default risk accumulating,threaten the financial system running smoothly.First of all,from the visual Angle of loan concentration,this paper first explains how to use existing data to measure the loan concentration,and then from the macroscopic and microscopic two aspects summarizes the focus on the reasons for the formation of our country commercial bank loans,which the following factors: the fact information asymmetry,the trend of the national economic development policy,the difference of regional economic development level,the guiding role of credit supervision system and the commercial bank management principle,the evolution of the industry life cycle,"herding effect" of homogeneity.Secondly,according to the formation reasons of centralized lending and the annual report data of 16 listed commercial Banks in China,the paper analyzes the current situation of commercial bank lending in different types of customers,industries with different development conditions and regions with different levels of economic development.Panel data model is established,then the three angles of loan concentration as Explanatory variable,the introduction of commercial bank asset scale,the provision for coverage as a micro control variable,Choosing GDP Growth Rate as Macro-control Variable,from the perspective of empirical studied our country commercial bank loan concentration on the influence of the non-performing loan ratio.Finally,Based on the empirical results,this paper analyses the impact of credit resource allocation on the national economy of China's commercial banks at the present stage,and puts forward relevant policies and suggestions,mainly include: commercial Banks should implement diversified loan policy,strengthen internal control and riskmanagement awareness,through the development of scattered syndicated loan on credit risk,the government should improve the external environment,promote the construction of social credit system,the regulatory authorities should strengthen supervision policy guiding role on lending,define the supervision index of loan concentration in industry and region,and improve the supervision index of customer loan concentration.In the context of supply-side structural reform,the future development of China's banking industry is faced with new opportunities and challenges,this paper hopes to achieve the following goals through the above research: through the above research,a is to help our country commercial bank clear next loans in key areas and increase or decrease lending volumes,realize the optimize allocation of credit resources,concentrated control loan risks,to improve the asset quality,improving economic efficiency of loans,enhance the stability of the financial management goal;The second is to balance the supply and demand of society through the adjustment of loan investment,realize the adjustment of industrial structure through the adjustment of loan investment ratio,promote the orderly flow of production factors and optimize the combination,and provide new ideas for solving the problems of credit stock structure adjustment and the transformation and upgrading of old and new capacity.