Research On Regional Differences Of Non-performing Loan Rates Of Commercial Banks In China

In recent years,the non-performing loans of China's commercial banks have continued to increase,and the non-performing loan rate has remained at a high level,which seriously affects the stability of the banking industry and financial markets.At the same time,the distribution of non-performing asset ratios of commercial banks shows obvious regional characteristics,mainly due to different There are obvious regional differences in regional policies and the external financial environment in which they are located.The differences in these factors further lead to differences in the non-performing loan ratios of commercial banks in various regions,leading to the uneven development of regional non-performing loan rates.Therefore,Taking the regional differences in the non-performing loan ratios of commercial banks in China as the starting point,it is mainly carried out from two aspects: the external financial environment and the internal situation of the banking industry.It uses a combination of theoretical analysis and empirical research to comprehensively analyze the regional differences in non-performing loan ratios of Chinese commercial banks.The research on the extent,regional distribution situation and influencing factors,and put forward practical suggestions,have important practical significance for the balanced development of the commercial banking industry in each region.This article first quantitatively measures the regional difference and dynamic trend of the non-performing loan ratios in the three regions of East,China,and the West from three perspectives: regional economy,government intervention,and commercial banks.The results show that the non-performing loan ratios of commercial banks are: The regional differences are large,and they have been on the rise from 2009 to 2017.The regional differences account for the main share,but the regional differences also account for a large proportion.Therefore,the cluster analysis method is used to re-divide the regions to reduce the difference in non-performing loan ratios within the region.The impact reflects the objective and true state of the regional differences in the non-performing loan ratios of China's commercial banks as much as possible,and improves the pertinence of policies to a certain extent.Secondly,based on the panel data of 31 provinces and cities from 2005 to 2017,this paper quantitatively analyzes the factors that affect the regional differences in the non-performing loan ratios of commercial banks in China.Based on the clustering and division,the key "development areas" and "lagging areas" of coordinated regional development ”,Establish a panel measurement model to conduct an empirical analysis of the factors that affect the difference in non-perform ing loan ratios by region;and finally,take measures to promote the coordinated development of the regional commercial banking industry in view of the key“ development zones ”and“ developed areas ”in the regional coordinated development of non-performing loan ratios.For the "developed areas",it is necessary to develop regional commercial banks to control excessive credit growth.At the same time,it will build a good external financial environment for the "developed areas",improve the level of economic development in the backward areas,and resolve local government debt risks."Accelerate the adjustment and upgrade of the industrial structure,continue to maintain a rapid economic growth,control the ratio of deposits and loans to a reasonable range,and control excessive credit growth.