A Micro Perspective Study on Non-performing Loans. Based on the Panel Data of Yunnan Tonghai County

DOI

10.2991/emle-17.2017.38How to use a DOI?

Keywords

NPL; commercial banks; industry investment concentration; investment structure; ways of guarantees

Abstract

With the continuous reform and development of the financial industry and China's supply side structural adjustment, China Commercial Banks' Non-Performing Loans (Hereinafter "NPL") showed a "double rise" trend, which raises the issue of NPL again into people's attention again. NPL is the leading indicators of financial crisis and the rising NPL rate seriously threatened the sustained and stable development of China's economy. Therefore, it is of great practical significance to analyze the influencing factors of NPL ratio of commercial banks. By using the panel data of Tonghai County in Yunnan Province, this paper focus on the micro factors that impact NPL. It is concluded that the concentration rate of investment in industries, the structure of the loan invested in the enterprises and the way of loan guaranteed electronic document have an impact on the overall NPL ratio of the banking industry and are positively correlated.

Copyright

© 2017, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Shushu Feng
AU  - Xinyue Wang
PY  - 2017/12
DA  - 2017/12
TI  - A Micro Perspective Study on Non-performing Loans. Based on the Panel Data of Yunnan Tonghai County
BT  - Proceedings of the 3rd International Conference on Economics, Management, Law and Education (EMLE 2017)
PB  - Atlantis Press
SP  - 185
EP  - 188
SN  - 2352-5428
UR  - https://doi.org/10.2991/emle-17.2017.38
DO  - 10.2991/emle-17.2017.38
ID  - Feng2017/12
ER  -