Abstract:

Based on data from 2004 to 2013，This paper used dynamic GMM regression method to discuss the relationship between corruption and non-performing loans of banks in China, the results show: the higher the level of corruption, the bank non-performing loans is also higher. Besides, high level of economic development and the degree of denationalization, asset-liability ratio of enterprise and government intervention can suppress an increase in non-performing loans of the banking sector, while increasing the size of bank credit will result in increased non-performing loans. Given China's current economy is in a transition period, to effectively prevent risks of corruption brought against the bank, we need to start from multiple, comprehensive management. It is necessary to pay attention to the control of corruption fundamentally, but also strengthen the ability of banks to prevent risks. This paper proposes the following policy recommendations: The government should continue to intensify anti-corruption efforts, strengthen integrity education and improve relevant laws and regulations and to continue to increase efforts to deal with corruption cases. Secondly, commercial banks should establish a scientific and effective internal control and risk prevention mechanisms, and strictly control the scale of credit. Third, Companies should be more rational and efficient use of bank loans. Finally, it should continue to improve the market mechanism, improve economic denationalization extent, promote economic development, the transformation of government function.

摘要：

本文运用动态GMM回归方法，对2004-2013年我国各地区腐败与银行业不良贷款之间的关系进行了探讨，结果显示：该地区腐败程度越高，银行不良贷款额也越高。经济发展水平和非国有化程度提高、政府的干预以及企业的资产负债率提高都能抑制我国银行业不良贷款增加，而银行信贷规模增加会导致不良贷款增加。鉴于我国当前正处在经济转轨时期，要切实防范腐败对银行带来的各种风险，需从多方入手，进行综合治理。既要注重从根本上控制腐败发生，又要加强银行防范风险的能力。本文提出如下政策建议：应继续加大反腐力度，加强廉洁教育并完善相关法律法规体系并继续加大对腐败案件的查处力度。其次，商业银行应建立科学有效的内部控制和风险防范机制，严格控制信贷规模。再次，企业应更加合理高效利用银行贷款。最后，应不断完善市场机制，提高经济非国有化程度，促进经济发展，转变政府职能。