The Research Of Commercial Bank Non-performing Loans Changing Trend

With the continuous development of economic globalization, the world economy showed a trend of differentiation.Our country’s economy into the new normal,under constant adjustment and reform.New normal also brings new challenges of financial risk management,the economic transformation and industrial structure adjustment inevitably produce bad loans.The generation of bad loans will not only seriously affect the Banks’ asset quality and profitability, if not control in time,will bring financial risks.Therefore,the change tendency of the research on commercial bank non-performing loans, has important practical significance.This paper summarizes the relevant research results at home and abroad.The main research field includes three aspects,one is the investigation and analysis of the influence factors of bad loans.The second is the explore of the reasons for bad loans;The third is the approach to the study of non-performing loans.Based on the current characteristics of assets and liabilities structure of China’s banking industry,has carried on the case study bank’bad loans and loan investment trends.The paper collected 12 large and medium-size commercial Banks in our country new accounting standards from 2007 to2014 financial data. Using Eviews software to Anova analysis of variance, to carry on the empirical research of the change of the our country commercial bank non-performing loans and loan investment trend. The research content consist of four parts, first, the non-performing loans of the longitudinal and transverse research;Second, non-proforming loan ratio of longitudinal and transverse research;Third,the longitudinal and transverse research of total loans; fourth, loan investment and loans to total loans ratio of research. Through empirical research we get the following conclusion,medium-sized commercial Banks in terms of risk control performance is very good; in the state-controlled Bank,the agricultural bank should strengthen risk control.