我国商业银行不良贷款影响因素研究+文献综述
毕业论文关键词：商业银行；不良贷款；宏观经济；银行经营
The research to the influential factors of our country commercial bank's non-performing loans
Abstract：non-performing loans of commercial banks have been the important problems faced by commercial banks in the world. Since 2012, the balance of nonperforming loans and non-performing loan ratio of China's commercial banks have been deteriorating. In this paper，I take factors that affect the bad loans of commercial banks in China as the main line. Firstly, I sort out the existing research literature and the basic theory of non-performing loans. Then. I elected 2009 to 2016 China's domestic commercial banks quarterly data as a sample and established model for empirical analysis, concluded: China's commercial bank non-performing loan ratio shows a negative correlation with GDP growth rate, Money supply M2 growth rate and the total amount of loans were positively correlated with non-performing loan ratio；capital adequacy ratio and provision coverage negative correlated with non-performing loan ratio. Finally, according to the results of the study, providing recommendations to prevent and deal with non-performing loans of commercial banks.
Key words: Commercial bank； non-performing loan；macro-economy；bank operations
目 录
摘要1
关键词1
Abstract1
Key words 1
一、引言2
二、商业银行不良贷款的理论与文献综述2
（一）不良贷款的定义2
（二）不良贷款的分类2
（三）不良贷款形成的相关理论基础3
1、金融脆弱性理论 3
3、克瑞格的“安全边界”理论 3
4、信用论 4
5、银行行为理论 4
（四）国内外学者对商业银行不良贷款影响因素研究4
1、经济环境因素对不良贷款的影响 4
2、银行自身管理因素对不良贷款的影响 5
3、行业制度监管环境对不良贷款的影响 5
4、已有成果 5
三、我国商业银行不良贷款的现状分析6
（一）商业银行不良贷款由“双降”向“双升”发展趋势6
（二）不良贷款的机构分布特点7
四、我国商业银行不良贷款率影响因素的实证分析8
（一）影响因素变量的选取8
1、宏观因素方面 8
2、银行经营因素 9
（二）模型变量的来源与处理10
（三）模型的构建10
（四）实证结果分析10
五、结论与政策建议11
（一）总结12
（二）政策建议12
致谢：12
参考文献：12
我国商业银行不良贷款影响因素研究
一、引言
在当代中国，金融业已经完全融入了国民的日常生活。而商业银行的经营状况关系着整个金融业的发展。不良贷款率是衡量一家商业银行经营能力与风险应对能力重要指标之一，它不仅关系着某一家商业银行的兴盛衰败，甚至会是导致金融危机的根源。20世纪80年代至今，世界范围的金融危机多次发生，对多国经济造成巨大冲击，导致国民经济大幅回落，而大部分金融危机的发生都与银行不良贷款有关，这给中国金融敲响了警钟。