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首页> 外文期刊>International Journal of Business and Management >Factors Influencing Non-Performing Loans in Commercial Banks: The Case of Banks in Selangor
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Factors Influencing Non-Performing Loans in Commercial Banks: The Case of Banks in Selangor

机译：商业银行不良贷款的影响因素：以雪兰莪州的银行为例

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Non-performing loans (NPL) is a worldwide issue that affects financial markets stability in general and banking industry viability in particular. The net non-performing loan (NPL) ratio in the banking system since the Asian financial crisis has gradually been in decline from 13.6% in December 1998 to 2.8% in May 2008. Government intervention to non-performing loan recovery strategies have contributed significantly in the decline. The Malaysian government and banks have succeeded in removing the non-performing loans (NPL) from banks Balance Sheet. This study examines the factors influencing non-performing loans in commercial banks in Selangor. A quantitative research approach is employed in this research following the positivist assumption with a realist ontology and objectivist epistemology. Data was collected using a probabilistic sampling method, particularly a stratified random sampling technique. The adapted survey questionnaire employed in this study and distributed 150 questionnaires and successfully received 130 questionnaires. Overall, the researcher has discussed about the findings of the analysis that was conucted using the SPSS software. Descriptive approach, correlation and multiple regression analysiss had been shown during the analysis. The descriptive approach displayed direct results while the correlation displayed the relationship between the dependent variable (non-performing loan) and the independent variables (standard of living, consumer income, economy of the country, bank interest rate). In this research, found three factors that influencing non-performing loan in Malaysia which are consumers’ income, the economy of the country and bank interest rate. The bank will found that the bank interest rate affect the rate of non-performing loan increase. For the future researchers, this research will benefit them as well. If they are doing their researches which are related to this topic, they can gather everything they want easily. Besides that, it will benefit the researcher who is going to do this research study in Malaysia. This is because the information in Malaysia is limited.
机译：不良贷款（NPL）是一个全球性问题，它总体上影响金融市场的稳定性，尤其影响银行业的生存能力。自亚洲金融危机以来，银行体系中的不良贷款净额比率从1998年12月的13.6％逐渐下降到2008年5月的2.8％。政府干预不良贷款回收策略在2008年做出了重大贡献。下降。马来西亚政府和银行已成功从银行资产负债表中删除了不良贷款（NPL）。这项研究探讨了影响雪兰莪商业银行不良贷款的因素。在这项研究中，采用了具有现实主义本体论和客观主义认识论的实证主义假设的定量研究方法。使用概率抽样方法（尤其是分层随机抽样技术）收集数据。在本研究中使用的改编的调查问卷分配了150份问卷，并成功收到130份问卷。总体而言，研究人员讨论了使用SPSS软件进行分析得出的结论。分析过程中显示了描述性方法，相关性和多元回归分析。描述性方法显示直接结果，而相关性显示因变量（不良贷款）与自变量（生活水平，消费者收入，国家经济，银行利率）之间的关系。在这项研究中，发现了影响马来西亚不良贷款的三个因素，即消费者的收入，国家经济和银行利率。银行会发现银行利率影响不良贷款的增加率。对于未来的研究人员来说，这项研究也将使他们受益。如果他们正在做与此主题相关的研究，他们可以轻松地收集他们想要的一切。除此之外，它将有益于打算在马来西亚进行这项研究的研究人员。这是因为马来西亚的信息有限。

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