2、erate.However,accordingt0t11esurVeyc>nNPLsmarketin2009bytheresearchcentre0f1ChinaOrientAssetManagementc0rporationthescale0fsuch1oanissti11011therise.Wit11thedatare1easedbyCh?1naBankingRegu1ator:yComm?1s:sion(CBRC),althoughtheNPLshaVebe:ende;pr■1vedbyChinesef0urma?Jorcommerc?1:a1banks,w
3、emaystillneedt0concernab0uttheNPLs,1eitherthetota1am[ount0rthePercen1:agec0mParedt0thewh01e10ans?Inthisart■1c1e:,t:heauth、o:rbe1ievesthatthekeystePt0so1VetheNPLsistoana1yzethemaj0rfact0rsandf■1ndtheso1utionsf0rsuchfact0rs?Inth?1sartic1e.theauthorfirsti11ustratedthedefinition0ftheNPLsan
4、d(iiffejrentmeansofNPLsc1assification.Thentheauthorgaveabriefexplanationofrelatedtheoretica11iterature.Later,theauthorchosesevenmacroeconomicsindices,whichareGrossDomesticProduct(GDP),TotalRetai1SalesofConsumerGoods,GrossInvestmentinFixedAsset,TotalImportandExportVolume,StateRevenue,Mo
5、netaryAggregate(M2)andStockPricelndex(ShanghaiCompositeIndex).Final1y,theauthorusedtheapproachesofcorrelationanalysisandprincipalcomponentregressionanalysisanddidsomepositiveanalysiswiththedataoftheaboveindicesandfromChinesecommercialbankssince2005.Theresearchindicatedthatmacroeconomic
6、sfactorshavenegativecorrelationswithNPLs.Amongthesefact0rs,F?1sca1ReVenueandExportVo1umehaVethemaJ0:rc0ntributionto10wertheamo）un.t0fcommercia1bankNPLs■Meanwh?11e:,macroeconomicsfact0rshaVethepos■1tiVefaci1itationt010wertihe；amount0fNPLs?Theref0re
7、suehasexpandingd0mesticderriandandimprovingtheeXterna1creditenv■1ronment0fC0mmercia1bankS?t0reducetheNPLs.KeyW0rds?■Non——perform?1ngLoansMacr0ec0nom■1cfact0r,c0rre1ati0nana1ysispr?1nciPa1C0:mponentregressi0nana1ys■1sI1聲戶百明本學(xué)位論文是我在導(dǎo)師的指導(dǎo)下取得的研究成果，盡我所知，在本學(xué)位論文中，除了加以標注和致謝的部分外，不包含其他人已經(jīng)發(fā)表或公布
