影响我国商业银行不良贷款因素的实证分析

在我国商业银行经营中,不良贷款是影响一个银行竞争力的重要因素,不良贷款制约着银行的放贷能力以及盈利能力.我国加入WTO之后要加强我国商业银行的国际竞争力,就必须关注不良贷款的影响因素,从而制定有效的管理措施.本文通过研究影响不良贷款的宏观和微观两方面的影响因素,得出结论,商业银行不良贷款受到商业银行的资产负债率、资本利润率、贷款/总负责,GDP增长率以及货币供应量增长率的影响.

The Empirical Research of the Factors that Influence the Non-performing Loans ofCommercial Bank in Our Country

In the management of commercial bank in our country,non-performing loan plays an important role in the competition among different banks,non-performing loans restricts the bank＇s capacity to lend and profitability.After China＇s entry into the WTO,to strengthen the international competitiveness of China＇s commercial banks,we must pay attention to the factors that influence the non-performing loans,so as to make effective management measures.This paper studys on he macro and micro factors that influence non-performing loans,making the conclusion that non-performing loans in commercial banks is affected by asset liability ratio,capital profit margin,the number of loan diveided by liability,the growth rate of GDP and the growth rate of the money supply.