Analysis of the Impact of Macroeconomic Factors on Non-Performing Loans of Commercial Banks

DOI

10.2991/978-94-6463-098-5_10How to use a DOI?

Keywords

Macroeconomic Factors; Commercial Banks; Non-Performing Loans; Economic Growth

Abstract

At present, the total balance of non-performing loans of major commercial banks shows a rising trend, which not only seriously weakens the economic support role of commercial banks, but also seriously affects the net profit income and economic asset quality of commercial banks. The national financial system under macroeconomic cognition adheres to the business philosophy of simultaneous development of indirect financing and direct financing, which means that if commercial banks have a credit crisis, it will cause a total collapse of the national financial system. In order to cope with the above problems, this paper conducts a study on the influence of macroeconomic factors on commercial banks' non-performing loans, defines the meaning of non-performing loans by analyzing the concepts related to macroeconomic factors, and then starts from the perspective of classifying commercial banks' non-performing loans and studying their industry distribution characteristics and financial vulnerability. According to the logical framework presentation, the ability of four categories of factors, namely, economic growth, inflation, unemployment, and monetary policy, to influence commercial banks' non-performing loans is determined separately.

Copyright

© 2023 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Peilin Tian
PY  - 2022
DA  - 2022/12/27
TI  - Analysis of the Impact of Macroeconomic Factors on Non-Performing Loans of Commercial Banks
BT  - Proceedings of the 2022 4th International Conference on Economic Management and Cultural Industry (ICEMCI 2022)
PB  - Atlantis Press
SP  - 75
EP  - 83
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-098-5_10
DO  - 10.2991/978-94-6463-098-5_10
ID  - Tian2022
ER  -