我国商业银行不良贷款续扩动因的问卷调研

发布时间：2018-02-04 11:20

本文关键词： 商业银行不良贷款续扩成因自辨理论前景理论　出处：《上海金融》2012年11期 　论文类型：期刊论文

【摘要】：随着经济增长速度的放缓,银行业不良贷款上升的风险加大。要解决我国商业银行不良贷款的问题,需要追问我国银行业不良资产的根本成因,以便真正从机制上控制商业银行新增不良贷款的形成和累积。本文通过问卷调研我国信贷从业人员在已贷款企业面临财务困境并申请进行二次贷款时的决策思考,获得影响其决策过程的因素及对决策的影响程度,发现内部领导支持、担保偏好、地方政府干预和责任等因素对不良贷款续扩的影响非常显著,而社会责任、客户关系、成长文化的影响相对较弱;并据此提出或可借鉴的政策建议。
[Abstract]:With the slowdown of the economic growth rate, the risk of the rise of non-performing loans in the banking industry increases. To solve the problem of non-performing loans in commercial banks of our country, we need to inquire into the fundamental causes of non-performing assets in the banking industry of our country. In order to truly control the formation and accumulation of new non-performing loans in commercial banks from the mechanism. This paper investigates the decision-making thinking of credit practitioners in our country when they are facing financial distress and applying for secondary loans through questionnaires. . Obtain the factors that affect the decision-making process and the degree of influence on the decision-making, found that the internal leadership support, guarantee preference, local government intervention and responsibility factors on the non-performing loans continue to expand the impact is very significant, while social responsibility. The influence of customer relationship and growth culture is relatively weak; And then put forward or can draw lessons from the policy recommendations.
【作者单位】：包商银行博士后科研工作站;中国社会科学院金融研究所博士后科研流动站;零点研究咨询集团;
【基金】：中国银行间市场交易商协会2011年度公开招标课题"银行间市场投资人的合理结构及监管核心原则"(编号KTZB1104)的成果
【分类号】：F832.4
【正文快照】： 贷款企业经营或财务状况出现困境,已经有迹象表明过去的贷款不能收回或不能如期收回时(信贷资产质量为关注或次级),银行仍然对其继续提供贷款的行为,我们称之为不良贷款续扩。而续扩动因是指那些直接导致决策者作出续扩决策的因素,正是由于这些驱动因素的存在,决策者才会表现

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