商业银行不良贷款率影响因素分析
商业银行不良贷款一直都是制约商业银行发展的关键因素，不良贷款率的变化对其盈利性、流动性与偿付能力有着重要影响。就不良贷款规模而言，目前我国银行业存量不良贷款规模依然较大，未来变动趋势取决于宏观经济环境与政策的变化。就不良贷款率而言，经过近几年的温和上升，目前稳定在1.7% 左右，虽不是国际最优水平，但仍处于世界较低水平。本文选取批发和零售业作为研究对象，采用2006-2016年的宏观经济与行业指标，构建不良贷款率模型来分析不良贷款率的影响因素，从而探讨商业银行不良贷款的防范与化解策略。
目录
摘要............................................................... 1
关键词............................................................. 1
Abstract........................................................... 1
Keywords............................................................1
引言
（一）研究背景......................................................2
（二）研究意义......................................................2
（三）研究内容及方法................................................3
第二章 文献综述
（一）商业银行不良贷款率的概念.......................................3
（二）国外相关文献综述...............................................5
（三）国内相关文献综述...............................................5
第三章 商业 *好棒文|www.hbsrm.com +Q: ￥351916072$
银行不良贷款率影响因素分析
（一）宏观因素分析..................................................6
（二）微观因素分析..................................................7
第四章 商业银行不良贷款率影响因素的实证分析
（一）数据来源......................................................9
（二）数据处理......................................................9
（三） 计量模型及结果..............................................10
（四） 模型的检验..................................................11
（五）实证结果分析.................................................13
第五章 结论与建议
（一）结论.........................................................13
（二）建议.........................................................14
致谢...............................................................16
参考文献...........................................................16
商业银行不良贷款率影响因素分析
Research on the Influencing Factors of Bad Loan Rates in Commercial Banks
Student majoring in finance Zhu Jun
Tuthor Sang Xiuzhi
Abstract：Commercial Banks nonperforming loans have been a key factor restricting the development of commercial Banks. The change of nonperforming loan ratio has important influence on their profitability, liquidity and solvency. In terms of the size of nonperforming loans, the nonperforming loans in Chinas banking industry are still large, and the future trend will depend on the changes of macroeconomic environment and policies. In terms of the bad rate, after a moderate increase in recent years, it is now stable at about 1.7%, which is not the best international level, but it is still at a low level in the world. This article selects the wholesale and retail trade as the research object, using the 20062016, the macro economy and the industry index, nonperforming loan ratio model was constructed to analyze the influence factors of nonperforming loans, which discuss the commercial bank nonperforming loans to guard against and defuse strategy.
目录
摘要............................................................... 1
关键词............................................................. 1
Abstract........................................................... 1
Keywords............................................................1
引言
（一）研究背景......................................................2
（二）研究意义......................................................2
（三）研究内容及方法................................................3
第二章 文献综述
（一）商业银行不良贷款率的概念.......................................3
（二）国外相关文献综述...............................................5
（三）国内相关文献综述...............................................5
第三章 商业 *好棒文|www.hbsrm.com +Q: ￥351916072$
银行不良贷款率影响因素分析
（一）宏观因素分析..................................................6
（二）微观因素分析..................................................7
第四章 商业银行不良贷款率影响因素的实证分析
（一）数据来源......................................................9
（二）数据处理......................................................9
（三） 计量模型及结果..............................................10
（四） 模型的检验..................................................11
（五）实证结果分析.................................................13
第五章 结论与建议
（一）结论.........................................................13
（二）建议.........................................................14
致谢...............................................................16
参考文献...........................................................16
商业银行不良贷款率影响因素分析
Research on the Influencing Factors of Bad Loan Rates in Commercial Banks
Student majoring in finance Zhu Jun
Tuthor Sang Xiuzhi
Abstract：Commercial Banks nonperforming loans have been a key factor restricting the development of commercial Banks. The change of nonperforming loan ratio has important influence on their profitability, liquidity and solvency. In terms of the size of nonperforming loans, the nonperforming loans in Chinas banking industry are still large, and the future trend will depend on the changes of macroeconomic environment and policies. In terms of the bad rate, after a moderate increase in recent years, it is now stable at about 1.7%, which is not the best international level, but it is still at a low level in the world. This article selects the wholesale and retail trade as the research object, using the 20062016, the macro economy and the industry index, nonperforming loan ratio model was constructed to analyze the influence factors of nonperforming loans, which discuss the commercial bank nonperforming loans to guard against and defuse strategy.
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