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
Related Articles
- EP ID EP411230
- DOI 10.26480/wsebm.01.2017.26.27
- Views 107
- Downloads 0
RESEARCH ON THE EFFICIENCY OF CULTURAL MANUFACTURING INDUSTRY IN CHINA BASED ON DEA-MALMUQUIST
The development of Cultural Manufacturing Industry is an important ingredient in cultural industry. And improving the efficiency of Culture Manufacturing Industry also helps promote the development of cultural industry....
FEASIBILITY ANALYSIS OF SETTING UP CHARACTERISTIC GYMNASIUM IN COLLEGES AND UNIVERSITIES
In response to the state of contemporary college students to enhance physical fitness, exercise more, and with the rapid development of national economy and social, contemporary youth emphasis on health and health awaren...
THE STRUCTURE AND MEASUREMENT OF ENTREPRENEURIAL TEAM’S HETEROGENEITY DIMENSION
Entrepreneurship has become an important force in promoting economic and social development, and gradually become the most vitality part of a country’s economic growth. Accordingly, the phenomenon of entrepreneurship is...
STUDY ON THE EXPLOITATION OF HAKKA FOOD CULTURE RESOURCES IN HE’YUAN
On the basis of research, this paper summarizes the tourism value of He’yuan Hakka food culture, points out the problems such as obsolete ideas, lack of innovation consciousness and lack of cultural connotation in He’yua...
DISTORTIONS IN PERCEPTION OF WARNING SIGNALS ABOUT RISKS AND THREATS TO AN ORGANIZATION
The main problem of this paper concerns significant distortions in warning signals perception and associated limited effectiveness of warning systems in most monitoring systems and early warning systems of today’s organi...