THE FACTORS INFLUENCE NON-PERFORMING LOAN AND METHODS TO AMELIORATE NON-PERFORMING LOAN
Journal Title: Topics in Economics, Business and Management (EBM) - Year 2017, Vol 1, Issue 2
Abstract
Non-performing loan is an important factor when analyzing bank’s performance and safety. At the late of last century, the amount of non-performing loan in China was very large, due to the reason that China need much money to develop and the government gave order to the commercial banks to give loan. This paper first analyzes the trend of non-performing loan and non-performing loan ratio from 2006 to 2015 in China’s banks, and comes to the conclusion that the non-performing loan is mainly concentrated in great commercial banks and the non-performing loan ratio of foreign banks is the lowest among different kinds of commercial banks. The paper further analyzes the factors influencing non-performing loan from the respect of economic system, company, and the bank. The paper concludes with a recommendation of establishing and improving multi-tiered capital market, credit evaluation index system in China and credit risk evaluation system in the banks so as to address the issue of non-performing loan
Authors and Affiliations
Qiu Qianying
Keywords
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- EP ID EP411230
- DOI 10.26480/wsebm.01.2017.26.27
- Views 81
- Downloads 0
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