Research On Influencing Factors About Personal Non-performing Loan In Listed Bank

As an important parameter to evaluate the performance and quality of credit assets,non-performing Loans are the leading indicators before the financial crisis,and the existence of non-performing loans has always been the bottleneck of the healthy development of the banking industry.Although the problem of non-performing loans has been relieved to some extent,but in recent years with the appearance of C hina's economic situation,non-performing loans and non-performing loans have appeared "double rise" situation,which will seriously affect the sustained and healthy development of our economy.The personal loan business is an important part of the bank credit business in C hina,which has developed rapidly in recent years,and its proportion is more and more large,but the society's attention to the personal loan business is not commensurate with the proportion of the whole credit business,and the research on the non-performing loans is still insufficient.Therefore,the study of personal non-performing loans has important theoretical and practical significance to solve the problem of non-performing loans.First of all,this paper discusses the background of personal non-performing loans,and reviews the research results of bank non-performing loans at home and abroad,and then introduces the concept and characteristics of individual loans and the evaluation criteria of non-performing loans.Then it briefly expounds the theories of Bank's behavior theory and information asymmetry on bank loan and management。Secondly,this paper analyzes the current situation of individual loans of listed banks in China through the angle of proportion,the change of growth rate and the composition structure,and gives a descriptive analysis of the causes of personal non-performing loans from the angle of macroeconomic factors,the bank's own management and the individual angle.Again,this paper selected data from six listed banks from the middle of 2008 to 2017,with the NPL ratio of listed banks as the explanatory variable,and the GDP growth rate,consumer price index,loan interest rate,and house price level as the control variables to the bank.The return on equity,scale of assets,unemployment status,and income level are explanatory variables,a regression model is established,and empirical tests are conducted.Finally,based on the empirical analysis,the bank's return on net assets,assets,unemployment,and income levels are negatively correlated with the personal non-performing loan ratio.Based on the results of the study,a proposal for controlling personal non-performing loans is proposed.