An Empirical Study On The Influencing Factors Of Non-performing Loans In Chinese Commercial Banks

Since China gradually entered the market economic system,with the completion of the transformation of state-owned banks,the problem of non-performing loans of Chinese commercial banks has been basically alleviated.However,since 2012,the amount of non-performing loans and non-performing loans of commercial banks in China have risen.This must be It is highly valued by our people.As an emerging economy,China's economic output ranks second in the world and plays an important role in the international economy.The occurrence of non-performing loans in commercial banks will not only negatively affect the development of the banking industry,but also harm a region or The economic development of a region has evolved into a national economic problem and even the outbreak of the world financial crisis.Therefore,the study of non-performing loans of commercial banks is even more important.This paper mainly USES the methods of literature review,mathematical statistics,theory and demonstration to study the non-performing loans of commercial Banks.Firstly,the basic research framework of this paper is constructed through relevant literature.Then respectively from the macro and micro perspective,analyzes the influence factors of our country commercial bank bad loans,and using the method of mathematical statistics to the various influence factors to the previous theoretical analysis combined with the analysis of the status quo of China's commercial Banks non-performing loan ratio,further processing data information using the panel data model,using the empirical analysis explain the relationship between various influencing factors and bad loans.The empirical results show that the seven variables for the non-performing loan ratio to some extent,the influence of the comparison of various factors on the non-performing loan ratio influence strength,the influence degree of the GDP growth rate,the strongest than bank assets,stronger than the market interest rate,stronger than the capital adequacy ratio,better than M2 growth rate,stronger than the LDR,stronger than the provision for coverage,and the influence degree of the provision for coverage in the weakest.Finally,on the basis of empirical analysis,it puts forward targeted policies and Suggestions on preventing and solving non-performing loans of commercial Banks from the macro and micro levels.