An Empirical Analysis Of The Factors Influencing The NPL Ratio Of Panjin Bank

With the gradual integration of international economic development,the process of financial liberalization is deepening.In this process,there are many problems of financial stability,while gradually transforming into social stability and harmony.In most countries,banks and other relevant financial organizations are regarded as having close management with the bad representatives of banks and economic globalization.At the same time,they are deeply affected by non-performing loans.Through in-depth analysis of various financial crises in the process of global history,most of them are closely related to the credit risk and asset deterioration of banks.Firstly,this paper analyses the current research situation related to the topic,and deeply excavates the various factors that have an impact on non-performing loans of commercial banks.Secondly,according to the specific situation of non-performing loans in our country and the professional knowledge related to non-performing loans.Then,on the basis of theoretical analysis,120 sets of data and quarterly parameters of macro factors from July 2008 to June 2018 of Panjin Bank are selected to set the causal variables of non-performing loan rate,and the corresponding empirical analysis is carried out for the influencing factors of non-performing loan rate of Panjin Bank.The following conclusions are drawn:(1)GDP growth rate and M2 growth rate is not statistically evident correlated with the non-performing loan rate of Panjin Bank;(3)PMI index is negatively correlated with the non-performing loan rate of Panjin Bank;(4)reserve coverage is negatively correlated with the non-performing loan rate of Panjin Bank.Finally,based on the conclusions of empirical analysis,and taking into full account the specific situation of our country's banking industry at this stage,the paper puts forward feasible countermeasures to prevent non-performing loans.