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《Scientific Decision Making》 2009-01
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A Survey on the Determinants of the Quality of Bank Loans

PAN Hui-feng1,HUANG Li-xin2(1.School of Finance and Banking,University of International Business and Economics,Beijing 100029;2.School of Economics and Management,Tsinghua University,Beijing 100084)  
The quality of bank loans is not only an important indicator of business performance but also a barometer of a country's overall financial health of the banking system,so wide attention has been paid in this area by policy makers,bank manager and scholars.In this paper,the determinants and formation mechanism of quality of bank loans are discussed from the angles of the repayment ability of borrower,the repayment willingness of borrowers,financing constraints,development of financial markets.This paper has also prospects the futures direction in the study of quality of bank loans.
【CateGory Index】: F832.4
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