我国商业银行不良贷款影响因素及其影响机制的计量分析
首发时间:2018-10-08
摘要:随着经济的较快发展,我国银行业也得到了快速的发展。与此同时,我国商业面临着巨大的不良贷款的冲击和影响,对经济危害较大,不易察觉,因此对不良贷款的处理,关系着我国银行业效率和我国的金融安全。根据我国具体国情,搜集整理商业银行2006-2016年不良贷款的数据,在现有研究的基础上,加入企业景气指数这一指标,对差分后的不良贷款率进行回归分析和协整检验,建立误差修模型,进一步分析我国商业银行不良贷款对银行效率的影响,根据当前实际提出了各自形成原因的解决措施,希望能够在一定程度上减少我国商业银行和经济发展面临的不良贷款问题,促成我国银行业健康稳定发展。
关键词: 不良贷款 商业银行效率 影响因素 企业景气指数 政策建议
For information in English, please click here
Analysis on the influencing factors of non-performing loans of China\'s commercial banks and the empirical of econometric
Abstract:With the rapid development of economy, the banking industry in our country has been developing rapidly. At the same time, China\'s banking industry is facing a huge impact and influence that comes from non-performing loans, which is harm to economy and not easily aware. So the treatment of bad loans is related to the efficiency of banking industry in China and the financial security of our country. It is well worth collecting data on the bad loans of commercial banks in 2006-2016, on the basis of existing research, joining the business climate index indicators, doing the regression analysis and co-integration test after the non-performing loan ratio of difference, finally we will establish error correction model to predict economic situation. In-depth analysis of the status of the non-performing loans of commercial banks, the reasons for the formation, and influence on the efficiency of the bank. According to the actual reasons, I put forward the solutions. We hope to reduce the problem of non-performing loans of commercial banks of China and economic development is faced with to a certain extent. The purpose is to promote the healthy and stable development of China\'s banking industry.
Keywords: non-performing loan commercial bank efficiency influence factor business climate index policy suggestion
基金:
引用
No.****
动态公开评议
共计0人参与
勘误表
我国商业银行不良贷款影响因素及其影响机制的计量分析
评论
全部评论0/1000