大连银行不良贷款率影响因素分析.docxVIP

PAGE PAGE 15 大连银行不良贷款率影响因素分析 内 容 摘 要 不良贷款率的高低，是决定银行盈利能力和核心竞争力的关键，同时它还对银行的生存和发展，甚至国家的金融秩序产生重要的影响。大连银行作为城市商业银行，是大连市金融体系的重要组成部分。但与国有商业银行相 比，大连银行面临着更大的经营压力和竞争挑战，比如资本充足率不足、不良贷款率偏高、盈利能力差等问题。因此，研究影响大连银行不良贷款率的因素，进而防范和化解大连银行的不良贷款，对大连银行甚至整个大连金融业的健康稳定发展具有深远意义。 本文分为六大部分对大连银行不良贷款率影响因素进行分析：第一部分，对研究背景和意义做了简要概述；第二部分，对不良贷款的概念及分类和相关理论基础进行解析；第三部分，主要分析大连银行不良贷款的现状及特 点；第四部分，举例说明了大连银行不良贷款率影响因素；第五部分，从大连银行不良贷款的防范与不良贷款的化解两个层面提出了相应的措施；第六部分，为本文结论部分。 关键词：大连银行，不良贷款率，影响因素Abstract The level of non-performing loans is the key to determining the profitability and core competitiveness of a bank, and it also has an important impact on the survival and development of the bank, and even the financial order of the country. Agricultural Bank of China is an important part of Chinas financial system, with its branches spread across the country, its large scale and its scope of operation encompassing almost all commercial banking businesses. However, compared with the other three state-owned commercial banks, agricultural banks face greater operational pressures and competitive challenges, such as insufficient capital adequacy, high non-performing loan ratios and poor profitability. Therefore, it is of far-reaching significance for the healthy and stable development of agricultural banks and even the banking industry as a whole to study the factors affecting the non-performing loan ratio of agricultural banks, and thus prevent and resolve the non- performing loans of agricultural banks. This paper is divided into six main parts to explain the analysis of the factors affecting the non-performing loan rate of Dalian banks: Part I, a brief overview of the background and significance of the study; Part II, an analysis of the concept and classification of non-performing loans and the relevant theoretical basis,; Part III, an analysis of the current situation and characteristics of non-performing loans of Dalian banks; Part IV, examples of the factors affecting the non-performing loan rate of Dalian banks; Par