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城商行不良贷款率的影响因素分析——以南京银行为例.docx

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城商行不良贷款率的影响因素分析——以南京银行为例 Title:AnalysisofFactorsInfluencingNon-performingLoanRatioinCityCommercialBanks:ACaseStudyofNanjingBank Abstract: Thenon-performingloan(NPL)ratioisacrucialindicatorofabank'sassetqualityandfinancialhealth.IdentifyingthefactorsthatcontributetotheNPLratioisessentialformanagingcreditriskandensuringthestabilityofcitycommercialbanks.ThispaperaimstoanalyzethefactorsinfluencingtheNPLratioincitycommercialbanks,usingNanjingBankasacasestudy.Byexaminingthemacroeconomic,industry-specific,andbank-specificfactors,weprovideinsightsintoeffectivestrategiesformitigatingNPLsandimprovingthebank'soverallperformance. 1.Introduction Citycommercialbanksplayavitalroleinthefinancialsystembyprovidingcredittosmallandmedium-sizedenterprises(SMEs)andretailcustomers.However,theriskofloandefaultisconsiderable,andmanagingtheNPLratioisessentialforthesebanks.ThisstudyaimstoanalyzethefactorsthatinfluencetheNPLratioincitycommercialbanksusingNanjingBankasacasetoproviderecommendationsforriskmanagementandcreditqualityimprovement. 2.LiteratureReview PreviousresearchhasidentifiedseveralkeyfactorsinfluencingtheNPLratioinbanks.Thesefactorscanbecategorizedintomacroeconomic,industry-specific,andbank-specificfactors.Byreviewingrelevantstudies,wecanidentifythekeyvariablestoincludeinouranalysis. 3.Methodology ToinvestigatethefactorsinfluencingtheNPLratioinNanjingBank,weemployaquantitativeresearchapproach.Wecollectdataonmacroeconomicindicators,industry-specificfactorssuchasthecreditdemandandsupplyinNanjing'slocalmarket,andbank-specificvariablessuchasloanportfoliocomposition,loanlossprovisions,andbankgovernance.Weuseregressionanalysistodeterminethemagnitudeandsignificanceofthefactors. 4.ResultsandAnalysis TheanalysisrevealsthatseveralfactorssignificantlyinfluencetheNPLratioinNanjingBank.Fromamacroeconomicperspective,variablessuchasGDPgrowthrate,unemploymentrate,andinflationrateexhibitasignificantimpact.Industry-specificfactorssuchasthecreditdemandandsupplyinNanjing'slocalmarket,thelevelofcolla