Research On The Impact Of Resident Debt Risk And Income Distribution Gap On Bank Credit Asset Quality

Since the 2008 financial crisis,countries around the world have continued to pay attention to the risks of the financial system.Banks are the most important financial institutions in China.Reducing the operational risks of commercial banks helps to maintain the stability of China's entire financial system.However,the stability of the financial system depends not only on external supervision,but also on a domestic economic environment.With the rapid growth of the economy over the past 40 years,China's income distribution gap has become increasingly prominent.Income distribution is an endogenous problem of a country's economy,which significantly affects a country's economy;on the other hand,with the development of China's commercial bank retail business As well as changes in residents 'consumption and savings concepts,residents' leverage ratio has also grown rapidly in the past decade.As China 's economic growth gradually slows down,the issue of residents 'debt risk needs more attention.Therefore,it is of great theoretical and practical significance to study the changes in income distribution and the impact of resident debt on commercial banks' credit risk for reducing the bank's operating risk.In this paper,through the combination of theoretical and empirical research methods,first of all,the current income distribution issues,income distribution and resident debt behavior,the impact factors of commercial bank credit asset quality and other related studies are reviewed and reviewed.Secondly,the resident leverage ratio is analyzed.The impact mechanism of bank credit risk,and through the construction of a simple binary two-phase income distribution model to derive and analyze the impact of the widening income distribution gap on residents' debt risk,study the impact of changes in income distribution gap on residents 'leverage ratio,and then propose Three assumptions.According to the hypothesis,three individual fixed effect models are constructed,and the above three hypotheses are empirically tested.Empirical research finds that: the increase in the leverage ratio of residents has a significant positive effect on the bank's bad credit ratio,and the income distribution gap will have an amplified effect on residents' debt risk.In addition,unlike general experience,this paper finds that The resulting reduction in the leverage ratio of residents proves the role of residents' financing constraints in this process.Finally,on the basis of the analysis of the research results,this article puts forward corresponding suggestions for China to stabilize the risks of the financial system and banks to improve the quality of their own credit assets,in order to help the stability of China's economic and financial system.