Study On The Influencing Factors Of Non-performing Loans Of China’s Commercial Banks Under The New Economic Situation

China’s economic model is from the beginning of the planned economy, thedrawbacks of the planned economy also left indelible influence in different industriesand different areas. China’s commercial banks is purely state-owned banks in theplanned economy period, only to play a capital payment and settlement function inthe national economy, there is no profit and loan repayment requirements, inefficientmanagement mode is a foreshadowing of non-performing loan in the future. Althoughfor a long time, the problem of the non-performing loan of China’s commercial banksis highly regarded by our government, introducing some relevant laws and regulations;establishing the Xin Da, the Chang Cheng, the Dong Fang and Hua Rong four AssetManagement Co. To peel of the non-performing loans of state-owned commercialbanks; in2003, China Banking Regulatory commission was established, working forthe central management of the banking industry. The series of measures made thebalance of non-performing loans of China’s commercial banks and non-performingloan ratio realized a long-term "double down", but it is worth noting that thenon-performing loans of commercial banks in China is still large, and the potential ofnon-performing loans, the balance of the attentive corporation loan is two times morethan non-performing loans, coupled with the disadvantageous current macroeconomicsituationn the declining import and export trade, the downturn of the real estateindustry, manufacturing industry getting down have caused great pressure on thenon-performing loans of China’s commercial banks. Therefore, studying theinfluencing factors of the non-performing loans of commercial banks in China hasgreat significance not only in theory, but also for our country commercial bankmanagement, and even have important value for the stability of the national economy. This paper begins from the research of background and significance, the concept,classification and factors of the non-performing loans of commercial banks, thenintroduce the status and causes of the non-performing loans of commercial banks inchina. Analysis of the present situation of the non-performing loans of commercialbank’s is divided into macro and micro aspects, macroscopically, China’s specialeconomic system, the current macroeconomic conditions and regulatory system isimportant causes of non-performing loans of the commercial banks; the microcosmicrisk consciousness is weak, the incentive mechanism is not perfect, and the borrowerscredit mindlessly all have direct impact on the arising of non-performing loans.Then, the paper analyses the present situation of the balance of non-performingloans and the rate of non-performing loans in commercial banks of China, comes tothe conclusion that the t non-performing loans and non-performing loan ratio bothrise in recent years, and in the next period of time will continue to rise from twoangles of stock and increment.Then, this paper selects the capital adequacy ratio of five state-ownedcommercial banks and five joint-stock banks, GDP quarter growth, PMI, the growthrate of money supply and the quarter variations of the price index of hundred city asexplanatory variables, the corresponding loan rate of commercial banks isexplanatory variables, establish the regression model, from the the empirical analysisand quantitative analysis to study the effect of angle above explanation variables onChina commercial bank non-performing loan rate and contribution rate.Finally, through the above analysis, put forward to the policy recommendationsof the prevention and disposal of non-performing loans of commercial banks in Chinain the macro and micro aspects.