商业银行外生不良贷款的内部带动效应

The Inner Driving Effects of the Ectogenic Non-performing Loans of Commercial Banks

商业银行不良贷款可分为外生和内生不良贷款,建立了商业银行的决策模型,并通过在商业银行生产函数中引入管理决策变量,探讨了外生不良贷款的内部带动效应.结果表明,商业银行外生不良贷款不仅增加了商业银行的经营负担,而且也会降低商业银行的管理水平,从而带动内生不良贷款比率的增加.

The non performing loans can be divided into ectogenic and endogenetic forms. This paper founded an operational decision model of commercial banks based on the profit maximization, and introduced management into traditional production function to discuss the inner driving effects of ectogenic non-performing loans on endogenetic non-performing loans. It can be concluded that the commercial banks are burdened with ectogenic non-performing loans and the management efficiency of commercial banks decrease when the endogenetic non performing loans increase.