Research On The Control Of Non-performing Loans Of Commercial Banks Under The Background Of Industrial Upgrading

At present,China’s economy is in a critical period of transformation and development.With the drastic adjustment of industrial structure,emerging industries are also growing.The great changes brought by the transformation and upgrading of industrial structure will lead to a new attitude of credit structure and new credit of commercial banks.In the face of the new situation,the credit risk of commercial banks will also produce new changes,especially in recent years,the non-performing loan rate of commercial banks is gradually rising,and the balance of non-performing loans continues to grow rapidly,which has a great negative impact on the health and stability of the commercial bank system.Therefore,how to control non-performing loans in the face of new situation and new variables is an urgent problem.Based on the background of industrial upgrading,this paper introduces and analyzes the current situation of industrial structure and non-performing loans in China.On this basis,it explores the impact of the adjustment between industrial structure and industrial upgrading on non-performing loans.In terms of industrial structure adjustment,this paper starts from the credit structure,uses the loan data of eight jointstock banks from 2009 to 2018,establishes a linear regression model between the proportion of industrial loans and the non-performing loan rate,and demonstrates the relationship between the credit industry of commercial banks in China and the nonperforming loan rate from the quantitative and qualitative perspective,so as to explain the industrial structure adjustment In terms of industrial upgrading,this paper uses the three industrial structure data and non-performing loan data of 31 provinces and regions in 2006-2017 to construct indicators,establishes a linear regression model,and expounds the impact of industrial upgrading on the non-performing loan rate of commercial banks.Based on the above analysis,the following conclusions are drawn: the development of real estate industry,construction industry,water conservancy environment and public facilities industry is negatively related to the non-performing loan rate of commercial banks;the manufacturing industry,transportation industry,electric power and gas industry,leasing and business service industry are positively related to the non-performing loan rate of commercial banks;the larger the nonagricultural output value / agricultural output value,the tertiary industry output value / secondary industry output value is,the greater the output value is The transformation of industrial structure to higher level has an obvious inhibitory effect on the nonperforming loan rate.Finally,according to the conclusion of empirical analysis and the current economic situation,this paper puts forward the suggestions that commercial banks should promote the adjustment of stock credit,the new credit around the national strategy,the innovation of risk control mechanism,and help the industrial transformation and upgrading.