金融发展研究
金融髮展研究
금융발전연구
JOURNAL OF FINANCIAL DEVELOPMENT RESEARCH
2014年
4期
67-72
,共6页
小微贷款%不良贷款%影响因素
小微貸款%不良貸款%影響因素
소미대관%불량대관%영향인소
small and micro loans%non-performing loans%factors
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。
本文基于商業銀行在2011-2013年間的相關小微貸款數據，從宏觀和微觀兩箇視角分析瞭影響小微企業不良貸款規模的因素。研究結論錶明：居民消費價格指數、國民生產總值增長率、小微貸款的規模等都對小微企業不良貸款規模產生顯著影響。該結論為我國商業銀行完善小微貸款風險控製機製提供瞭藉鑒。
본문기우상업은행재2011-2013년간적상관소미대관수거，종굉관화미관량개시각분석료영향소미기업불량대관규모적인소。연구결론표명：거민소비개격지수、국민생산총치증장솔、소미대관적규모등도대소미기업불량대관규모산생현저영향。해결론위아국상업은행완선소미대관풍험공제궤제제공료차감。
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 mi-cro 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.
