中國建設銀行Y分行不良貸款影響因素分析.pdf

1、Ⅲ!／111IIIlLIllIIll11IY3274858分類號——UDC——學號叢!壘Q2魚密級一埸H1大譬YANGZHOUUNIVERSITY碩士學位論文(學術型)中國建設銀行Y分行不良貸款影響因素分析指導教師姓名：申請學位級別：論文提交日期：學位授予單位：周祥2Q!Z生3旦璺量揚型太鱟答辯委員會主席：毯盤送論文答辯日期：2017527學位授予日期：20176202017年5月II碩士學位論文AbstractThedevelopme

2、ntoffinancialindustryinourcountryrelativelylagsbehindIntheplannedeconomicperiod，commercialbankinourcountryisactuallyownedbythegovernmentandmainlydealswithpaymentandsettlementtransactionswithoutanyothermissionindicator，wh

3、ichistherootcauseofextremelylowoperatingefficiencyofthebank，indicatinggenerationandaccumulationofbadloansinthefutureInrecentyears，thegovemmenthasbeenpayingmoreattentiontotheproblemofthebadloansbecauseitaffectsfinancialst

4、abilityinourcountryThedevelopmentoffmancialindustryinwesterncountriesalwaysrankshighintheworldWesterncountrieshavestartedstudiesonthebadloansfromearlyonandalsoputforwardalotoftheoriesandresearchmethodsofbadloansInthe1980

5、s，somescholarsutilizedthemathematicalmodeltostudythebadloansAccordingtotheresearchresults，itwasrecommendedthatthebankingsectorandthecountry’SfinancialsectorsshouldpayattentiontofactorsaffectingthebadloansPeopleusuallypre

6、fertothepaneldatamodelforstudiesofthebadloansbyanalyzingeffectsofbothmacroeconomicandmicroeconomicfactorsonthebadloansHoweveronrstudiesonthebadloanssufferedbythecommercialbankstartedrelativelylate，andmainlyfocusonqualita

7、tiveresearchesaccompaniedwithlessquantitativeanalysisThispaperfirstlyintroducesthedefinitionofthebadloansanddescribestheseveralstagesofevolutionofthedefinitionofthebadloansandthefive—classclassificationMeanwhile，itdiscus

8、sesrelevanttheoriesofthebad10ansbasedOilformerstudiesOnthetheoreticalbasisitanalyzesthepresentconditionsandthebadloansofChina’SbankingsectorandthebankingsectorincityY，aswellasthecausesfromdifferentperspectivesThereareman

9、yfactorsaffectingthebadloans，mainlyincludingmacroandmicroonesBasedontheactualconditionsofci毋Y，thispaperconductsempiricalanalysismainlyfrombothmacroandmicroaspectsInthemicroaspect，Probitmodelisbuilttocarryoutempiricalanal

10、ysisbasedoncreditinformationofcityYBranch，ChinaConstructionBankFromtheperspectiveoftheborrower，therelationshipbetweenthepossibilityofthebadloansandthespecifiedmicrofactorsareanalyzedTheresultsshowthat：theborrower’Scredit

11、ratingandthebadloanshaveanegativecorrelation，thatistosaylowercreditratingmaybringabouthigherpossibilityofdefaultandbadloansThecustomerunit’SeconomictypeandthebadloanshaveanotablenegativecorrelationThecustomerunit’Sscalea