摘要
近几年来,我国商业银行不良贷款问题凸显,本文认为除了受到宏观经济下行等因素的影响外,投资效率对商业银行不良贷款的影响也很大。基于我国31个省份2006—2016年数据的实证结果,发现低下的投资效率会导致银行不良贷款的增加,因此政府和企业在关注投资"量"的同时,更应该注重投资的"质"。
In recent years, the problem of non-performing loans in China＇s commercial banks has been highlighted, this paper argues that in addition to the influence of macroeconomic growth and government intervention, the investment efficiency also has great impact on non-performing loans of commercial banks.Based on the data of 2006-2016 provinces in 31 provinces, it is found that low investment efficiency will lead to the increase of non-performing loans in banks. Therefore, governments and enterprises should pay more attention to the amount of investment while paying close attention to the quality of investment.
作者
叶群
Ye Qun(School of Management and Economics,Kunming University of Science and Technology,Kunming,Yunnan 65009)
出处
《江苏商论》
2018年第5期79-81,85,共4页
Jiangsu Commercial Forum
关键词
投资效率
商业银行
不良贷款
Investment Efficiency
Non-performing Loans
Commercial Banks
