【作者】 杨光；

【导师】 薛波； 孙伟；

【作者基本信息】 郑州大学 ， 应用数学（金融工程）， 2017， 硕士

【摘要】 本文以国内外相关的研究成果和理论作为理论基础,首先对地区经济发展和银行不良资产的相互影响做了定性分析,指出地区经济发展与银行信贷相互影响,银行信贷会随着经济发展状况波动,并反作用于经济发展状况;地区经济发展对银行不良资产从金融市场环境、银行信贷资产质量和银行不良资产比例这几个方面进行影响;同时指出,银行不良资产存在着抑制信贷发放,影响金融稳定和造成通货膨胀或通货紧缩等渠道影响地区经济发展。其后,以郑州地区为对象,对该地区的经济发展与银行不良资产之间的变动关系进行了实证研究,实证研究的结果表明,郑州地区的经济发展与银行不良资产变动之间存在着长期的影响关系,同时,这种关系根据不同时期呈现出不同的影响。最后,根据实证分析的结果,从政府和银行两个层面提出了对策建议。政府层面,一是正确处理地区经济发展和银行不良资产的关系;二是提高全要素生产率,增强经济发展驱动力;三是促进金融市场发展和信用环境建设。银行层面,一是提升银行内部管控能力;二是强化应对经济发展变化的风险控制;三是正确处理信贷资产和信贷投放。更多还原

【Abstract】 In this paper,the domestic and foreign research achievements and related theory as the theoretical foundation,the first mutual influence of non-performing assets on the economic development of the region and the bank made a qualitative analysis,pointed out that the economic development of the region and the bank credit bank credit will influence each other,with the fluctuation of economic development,and effect on the economic development;influence of regional economic development of banks the bad assets from the financial market environment,the bank credit asset quality and bank non-performing assets ratio of these aspects;also pointed out that the non-performing assets of banks are restraining credit issuance,influence the financial stability and economic development in the region affected by inflation or deflation and other channels.Then,taking Zhengzhou area as the object,the change of the relationship between economic development and the bad assets of banks in the region to carry on the empirical research,the empirical results show that a long-term relationship,between the Zhengzhou area economic development and the bad bank assets change at the same time,this relationship according to different periods show different effects.Finally,according to the results of the empirical analysis,the paper puts forward some countermeasures from two aspects of the government and the bank.The government level,one is to correctly handle the relationship between regional economic development and the bad assets of the bank;the two is to improve total factor productivity,enhance the driving force of economic development;the three is to promote the development of financial market and credit environment construction.Bank level,one is to enhance the ability of the bank’s internal control;two is to strengthen the risk control of economic development and change;the three is the correct handling of credit assets and credit.更多还原