国有商业银行企业不良贷款的主因子分析

The Main Factorial Analysis of Bad Loan in State Commercial Banks

论文首先在银行企业不良贷款成因的研究成果进行回顾梳理基础上,从探究现行发展环境下,影响企业不良贷款的主要原因的角度,通过对国有商业银行贷款部的中高层访谈问卷调查,运用探索性因子分析模型,对不良贷款主成因进行萃取和诠释,最后构建银行业不良贷款的成因层次构面,以支持国有商业银行授信决策之依据。

First the paper reviewed on the research achivements of the reasons in banks bad loans. Then by exploring the main reasons to the enterprise＇s bad loans under current surroundings and interviewing the middle-high -level leaders in the loan department of state commercial banks and questionnaires, extracted and explaincd the main reasons in bad loans by using exploring factor analysis model at last, it constructed a reason facet of bank＇s bad loan to support the gist of state commercial bank credit given strategy.