本文以中国银行为研究对象,分析了2014~2023年的不良贷款率的情况。利用多元线性回归模型去研究影响中国银行不良贷款率的因素,得出国内生产总值,不良贷款拨备覆盖率,核心一级资本充足率与净资产收益率对中国银行不良贷款率的影响。并...本文以中国银行为研究对象,分析了2014~2023年的不良贷款率的情况。利用多元线性回归模型去研究影响中国银行不良贷款率的因素,得出国内生产总值,不良贷款拨备覆盖率,核心一级资本充足率与净资产收益率对中国银行不良贷款率的影响。并对于改善中国银行不良贷款的情况提出相关的建议以供参考。This paper takes the Bank of China as the research object and analyzes the non-performing loan ratio from 2014 to 2023. The multivariate linear regression model is used to study the factors affecting the non-performing loan ratio of Chinese banks, and the impact of GDP, non-performing loan provision coverage ratio, core tier 1 capital adequacy ratio and return on equity on the non-performing loan ratio of Chinese banks is obtained. And relevant suggestions for improving the situation of non-performing loans of Chinese banks are put forward for reference.展开更多
文摘本文以中国银行为研究对象,分析了2014~2023年的不良贷款率的情况。利用多元线性回归模型去研究影响中国银行不良贷款率的因素,得出国内生产总值,不良贷款拨备覆盖率,核心一级资本充足率与净资产收益率对中国银行不良贷款率的影响。并对于改善中国银行不良贷款的情况提出相关的建议以供参考。This paper takes the Bank of China as the research object and analyzes the non-performing loan ratio from 2014 to 2023. The multivariate linear regression model is used to study the factors affecting the non-performing loan ratio of Chinese banks, and the impact of GDP, non-performing loan provision coverage ratio, core tier 1 capital adequacy ratio and return on equity on the non-performing loan ratio of Chinese banks is obtained. And relevant suggestions for improving the situation of non-performing loans of Chinese banks are put forward for reference.
