Research On The Influence Of Industry Characteristics On The Quality Of China’s Commercial Bank Loans

At present,the financing channels of Chinese enterprises are mostly based on indirect financing.As the main financing channel,bank loans play an intangible role in guiding the stable and sustainable development of various industries in China.From the perspective of the entire social wealth,commercial banks manage most of the assets of the society,and banks as financial interm ediaries,whose asset security is related to the steady development of China’s financial system.From the US subprime mortgage crisis in 2007,we can see that once the bank’s credit risk is expanded,it will lead to a decline in the country’s overall economy and a decline in people’s living standards.In addition,China’s economy has entered the middle and high-speed stage,and the overall economic environment has been declining.The previously well-developed industries are facing structural adjustment and the bottleneck stage of de-capacity,which makes it difficult for the funds of some loans of China’s banks to be recovered.The quality of loans also showed a significant downward trend.Therefore,it is of practical significance to explore the research on the factors related to the quality of commercial bank loans.After referring to domestic and foreign literatures,theoretically analyze its impact on loan quality from three aspects: macroeconomic factors,banking factors and industry factors.Among them,the mechanism of the impact of industry characteristics on loan quality is described in detail,and the status quo and characteristics of the industry distribution of loan quality are described in detail based on the current situation of China’s loan quality and loan industry distribution.In the empirical part,choose the perspective of the loan industry,focus on the correlation between industry characteristics and bank loan quality,and analyze the three aspects of industry comprehensive ability,profitability and industry development ability to study the impact on the non-performing loan ratio of the industry.It promoted the refinement of industry credit risk assessment,helped banks to more accurately evaluate industry credit risk,timely adjusted the industry distribution of loan funds,optimized the structure of the loan industry,and improved the quality of loans.Finally,based on the results of the empirical analysis,suggestions on improving the quality of bank loans are proposed from the perspective of loan industry structure and loan risk management.