Research On The Influencing Factors Of Non-performing Loan Ratio Of Shanghai Pudong Development Bank

In recent years,China's economic development has slowed down.Under this new situation,credit risk has gradually increased.Due to various factors,many industries have experienced insufficient demand,so their operations Profits have also been severely affected.Cash flow has decreased,followed by a predicament.The undesirable consequences of the ever-expanding loan volume of the banking industry began to surface,and the amount of non-performing loans and non-performing loans continued to rise.At the end of 2018,the total non-performing loan amount of China's commercial banks exceeded 2 trillion yuan,and the non-performing loan rate was as high as 1.83%,which had approached the 2% red warning line.Such a high non-performing loan rate increased the risk of China's financial industry..As we all know,commercial banks are at the core of China 's financial system.If there is a huge problem with the quality of the bank 's assets,it will cause a series of major socio-economic problems and jeopardize sustainable economic development.Shanghai Pudong Development Bank is one of the 12 national joint-stock commercial banks in China,and its NPL ratio has been very high in recent years.At the end of 2018,its NPL ratio was as high as 1.92%,which was the highest among jointstock banks and exceeded five major state-owned commercial Bank.Therefore,studying the influencing factors of the non-performing loan ratio of Shanghai Pudong Development Bank has certain warning significance for defusing the non-performing loan ratio of China's commercial banks.This article first introduces the background and significance of this study,research methods,innovations and deficiencies.Then,based on the comprehensive analysis of the research on the influencing factors of nonperforming loan rate by domestic and foreign scholars,some influencing factors of nonperforming loan rate are summarized,the situation of non-performing loan rate of SPDB is introduced,and the theoretical analysis of the influencing factors is carried out.Then use empirical analysis and choose a regression model to analyze the correlation between indicators.The study found that the macro economy and the bank 's own management have a greater impact on SPDB 's NPL ratio.If the macro-control is effective and the economy develops well,together with SPDB 's enhanced profitability and moderate business expansion,its NPL ratio will naturally Will become lower.At the same time,the development of the industry will also affect the NPL ratio of SPD Bank.If the industry develops steadily,the NPL ratio of SPD Bank will become lower.Finally,based on the results obtained from the study,some suggestions for the prevention of non-performing loans are put forward to SPDB.Because the three levels of macro,industry,and SPD Bank itself can have a greater impact on their nonperforming loans,SPD Bank should also proceed from these three perspectives when taking preventive measures,take multiple approaches,and take corresponding measures separately To resist the impact of many factors on non-performing loans.