Research on the Influencing Factors and Paths of Non-performing Loan Ratio of Rural Commercial Banks in China Qualitative Research and Investigation Based on Grounded Theory

DOI

10.2991/emle-18.2018.19How to use a DOI?

Keywords

rural commercial bank; non-performing loan ratio; qualitative research; Grounded theory; in-depth interviews

Abstract

As a unique commercial bank in China, rural commercial banks play an important role in implementing policies on agriculture, rural areas and farmers and narrowing the urban-rural gap. However, its non-performing loan ratio is much higher than the average level of commercial banks, which seriously affects the timely and correct performance of rural commercial banks' functions. This paper adopts the qualitative research method of grounded theory, collects original data through in-depth interviews, forms concepts, categories and core concept categories through three-level coding, and obtains the influencing factors and paths of non-performing loan ratio of rural commercial banks. First, macroeconomic condition, source structure of loan repayment fund for peasant households, income level and labor force destination are all economic factors affecting the loan repayment ability of customers of rural commercial banks, thus affecting the non-performing loans of rural commercial banks. Second, personnel setting, capital reserve and profitability of the banks all affect the lending capacity of rural commercial banks as internal factors, thus affecting the non-performing loan ratio of agricultural commercial bank. And third, some external interference factors such as: natural or man-made emergencies may irregularly and unexpectedly interfere with the normal recovery of loans of rural commercial banks, thus affecting the non-performing loan ratio of rural commercial banks.

Copyright

© 2018, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Jiang Minghui
AU  - Zhang Xin’ge
PY  - 2018/12
DA  - 2018/12
TI  - Research on the Influencing Factors and Paths of Non-performing Loan Ratio of Rural Commercial Banks in China Qualitative Research and Investigation Based on Grounded Theory
BT  - Proceedings of the 4th International Conference on Economics, Management, Law and Education (EMLE 2018)
PB  - Atlantis Press
SP  - 111
EP  - 118
SN  - 2352-5428
UR  - https://doi.org/10.2991/emle-18.2018.19
DO  - 10.2991/emle-18.2018.19
ID  - Minghui2018/12
ER  -