我国商业银行不良贷款的影响因素分析

Analysis of the Influencing Factors of Non-performing Loans in China’s Commercial Banks

银行业的发展是衡量一个地区和国家经济发展的重要指标之一。确定不良贷款的形成原因,不仅可以有效降低不良贷款比例,而且能够防微杜渐,在不良贷款形成之前将其控制。通过使用回归分析模型对我国商业不良贷款的形成因素进行回归分析,研究各因素对不良贷款的影响程度,结果表明,商业银行的不良贷款率与失业率和通货膨胀率等因素存在正相关关系,而与银行资产、股本收益率和GDP增长率等因素存在负相关关系。

The development of the banking industry is one of the important indicators to measure the economic development of a region and a country.Determining the causes of non-performing loans cannot only effectively reduce the proportion of non-performing loans,but also prevent the gradual development of non-performing loans and control them before they are formed.By using the regression analysis model to analyze the formation factors of non-performing commercial loans in China,the influence degree of each factor on non-performing loans is studied.The results show that there is a positive correlation between the non-performing loan rate of commercial banks and the factors such as unemployment rate and inflation rate,while there is a negative correlation with the factors of bank assets,equity rate of return and GDP growth rate.