Study on the Effect Factors of Non-Perormance Loan Ratio of Chinese Commerical Banks
Non-performance loan ratio is one of the important assessment criteria of the security of credit assets. It is also an important financial indicator to evaluate the general strength of commercial banks. Using principal component analysis method and statistical software SPSS16.0 and based on the non-performance loan ratio and relative data of some commercial banks in China in 2007, this paper provided a principal component analysis model for the non-performance loan ratio of China’s commercial banks. The factors that affect the non-performance loan ratio were refined in this paper. Finally, the characteristics of effect factors of each bank were analyzed and compared in detail.
Shaobo Zhong, Yimin Cheng and Xilong Qu
P. Li et al., "Study on the Effect Factors of Non-Perormance Loan Ratio of Chinese Commerical Banks", Applied Mechanics and Materials, Vols. 50-51, pp. 728-732, 2011