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本文从不良贷款的概念及其分类出发,分析了我国不良贷款现状,指出我国商业银行不良贷款从2002年至今的一些发展趋势,并利用计量经济学中的简单回归方法对我国不良贷款率与一些宏观经济发展指标间的关系进行了定性分析,得出部分宏观经济指标与不良贷款率确实存在一定关系,最后运用多元统计分析中的判别分析的思想对银行放贷企业的财务状况进行了大致分析,并提出要使用该方法改善不良贷款现状应该要注意的问题。
Based on the concept of nonperforming loans and their classification, this paper analyzes the current situation of nonperforming loans in our country, points out some development trends of nonperforming loans in our country from 2002 till now, and uses the simple regression method in econometrics to compare the non - We conclude that some macroeconomic indicators do have a certain relationship with the non-performing loan ratio. Finally, by using the discriminant analysis in multivariate statistical analysis, we analyze the financial condition of the lending companies, And put forward to use this method to improve the status of non-performing loans should pay attention to the problem.