An Empirical Study On The Influencing Factors Of Non-performing Loans In China’s Commercial Banks

The financial industry is an industry that plays a central role in the contemporary economy.In China,commercial banks as the most important part of the financial industry,has important strategic significance.The quality of bank assets is related to the economic operation of the whole country and even threaten the national financial security.For a long time,China’s commercial banks are facing a more serious problem of non-performing loans,especially state-owned commercial banks,due to national policy and reform and other reasons,accumulated a large number of non-performing loans.Although the joint-stock banks and urban commercial banks started late,but the problem of non-performing loans is also very serious.Especially in recent years,the non-performing loan ratio and the amount of non-performing loans to end the "double down" trend,a great rise in the trend,coupled with China’s economic slowdown to solve China’s commercial banks non-performing loans urgent.Therefore,this article will be different types of commercial banks of non-performing loans were studied to find their own influencing factors.First of all,the current situation of non-performing loans of commercial banks in China is analyzed.This paper chooses the data of non-performing loans from 2010 to 2016 from the official website of China Banking Regulatory Commission,and analyzes the rising trend of non-performing loan ratio The structure of the changes,and finally the large state-owned commercial banks,joint-stock commercial banks and urban commercial banks of non-performing loans were compared.Secondly,the selection of indicators,this paper mainly consider the operation of the bank itself,selected the assets reflect the liquidity,credit risk size,efficiency and capital adequacy ratio of ten indicators in 2010 to 2016 annual data(Data are the major banks of the financial statements and the CBRC official website),the data for the comparative analysis of institutions to study the gap between different banks.Then,it is found that the non-performing loan ratio between the state-owned commercial banks and the joint-stock banks and the city commercial banks is different from the difference between the non-performing loan ratio and the non-performing loan ratio of the three types of banks.There is a significant difference between them.Finally,the state-owned commercial banks are divided into a group,the joint-stock commercial banks and the city commercial banks are divided into a group.First,the factors are analyzed by factor analysis,and the main influencing factors are extracted.The regression model is established by the factor scores.To find out the influencing factors of the bad loans of the two commercial banks.