Analysis On The Influencing Factors Of Commercial Bank Non-performing Loan

In recent years,the non-performing loan balance of China's commercial Banks has been steadily rising,and the non-performing loan ratio keeps high.At present，the domestic economic growth is slowing down,the domestic industrial structure is constantly adjusted,and many industries have insufficient demand,and the profits of enterprises are falling,so they are in trouble.Macro-economic and external environment changes make commercial bank loan risk face many new influencing factors.Therefore,in light of the existing research results,we should explore effective measures against these new influencing factors at the traditional level of risk control,so as to better control the credit risk.Commercial Banks non-performing loan ratio and balance of non-performing loans in Zhejiang province ranks are really high across the country.This paper wants to analyze the experience of controlling credit risk in Zhejiang,through the study of commercial Banks non-performing loans situation in Zhejiang province,and also wants to analysis the influence factors of commercial Banks non-performing loan ratio and take effective measures to control credit risk through deep studying the reality of our country.This paper makes the theory of credit,financial fragility within hypothesis,Banks act theory as the theory basis of the formation of commercial bank non-performing loans.This paper also summarizes the characteristics of loan risk with the present situation of our country commercial bank non-performing loans.This paper takes commercial Banks in Zhejiang province as an example,using qualitative and quantitative methods analyzed the factors affecting on commercial bank credit risk.This article selects the beginning of2011 to the end of 2017 in Zhejiang province,the GDP growth rate,banking and industry specific data,the cointegration test was used to analyze the factors that could have long-term impact on non-performing loans,and further explore the short-term impact of these factors on non-performing loans using the revised error model,and conclude that short-term effects will lead to long-term accumulation.It is necessary to accelerate the transformation of economic development mode,save energy and reduce emission,and promote economic development to intensive transformation.Finally,in order to prevent and control commercial bank loan risks,the paper summarizes loan risk control experience of Zhejiang province,discusses the control of non-performing loans incremental for our country commercial bank loan risk from the government,Banks and borrowers this three angle,also discusses the specific measures to reduce the stock of bad loans from the perspective of the non-performing loans.This will be help ful to improve the quality of credit assets,reduce Chinese commercial Banks' loan risk and get frrther development.