| 小微企业不良贷款规模的影响因素分析 |
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| 引用本文： | 董俊杰.小微企业不良贷款规模的影响因素分析[J].金融发展研究,2014(4):67-72. |
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| 作者姓名： | 董俊杰 |
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| 作者单位： | 南京师范大学商学院,江苏南京210023 |
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| 基金项目： | 基金项目：南京师范大学商学院研究生创新人才培养计划,项目编号：13CX-006G. |
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| 摘 要： | 本文基于商业银行在2011—2013年间的相关小微贷款数据，从宏观和微观两个视角分析了影响小微企业不良贷款规模的因素。研究结论表明：居民消费价格指数、国民生产总值增长率、小微贷款的规模等都对小微企业不良贷款规模产生显著影响。该结论为我国商业银行完善小微贷款风险控制机制提供了借鉴。
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| 关 键 词： | 小微贷款 不良贷款 影响因素 |
Analysis on the Factors Affecting the Scale of Non-Performing Loans for Small and Micro Enterprises |
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| Dong Junjie.Analysis on the Factors Affecting the Scale of Non-Performing Loans for Small and Micro Enterprises[J].Journal of Financial Development Research,2014(4):67-72. |
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| Authors: | Dong Junjie |
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| Institution: | Dong Junjie (Business School of Nanjing Normal University, Jiangsu Nanjing 210023) |
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| Abstract: | Based on data related with small and micro loans of commercial banks from 2011 to 2013, this paper analyzes the factors affecting the size of non-performing loans of small and micro enterprises from both the macro and micro perspective. The study shows that the consumer price index, the growth rate of GDP, the size of small and micro loans, and the large loans among them all have a significant impact on the size of non-performing loans for small and micro enterprises. This conclusion provides reference for our commercial banks to improve risk control mechanisms for small and micro loans. |
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| Keywords: | small and micro loans non-performing loans factors |
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