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首页> 外文期刊>Research Journal of Finance and Accounting >Factors Affecting Non-Performing Loans in Commercial Banking Sector: A Comparative Study of Public and Private Banks A Case Study of Commercial Bank of Ethiopia and Dashen Bank District in Southern Region of Ethiopia
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Factors Affecting Non-Performing Loans in Commercial Banking Sector: A Comparative Study of Public and Private Banks A Case Study of Commercial Bank of Ethiopia and Dashen Bank District in Southern Region of Ethiopia

机译：商业银行部门不良贷款的影响因素：公共银行和私人银行的比较研究-以埃塞俄比亚商业银行和埃塞俄比亚南部地区的大深银行区为例

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The study aims to identify factors affecting non-performing loans in commercial banking sector; in public and private banks of the study area. To achieve the “general and specific objectives” the study was look institutional and customer specific factors affecting NPLs and the remedial practices can be implemented to reduce the level of NPLs. This study also used descriptive research design and quantitative research approach were used and the primary source of data were collected from 52 credit staff members from CBE and Dashen banks District in Southern Region. The sampling techniques were purposive sampling method. However, the sample was selected from credit staff only. For data analysis, descriptive statistics including mean, std. deviation, frequency and percentages were used. The results of the study indicated Bank specific factors include Bank size and performance, credit size, poor credit assessment, poor credit terms, lack of aggressive credit collection system, inadequate nature of collateral were identified as bank specific factors affecting NPLs. On the other hand unwillingness of borrower to pay back loan, customers funds diversion for unexpected purpose were identified as customer specific factors affecting NPLs. Hence, to reduce the occurrence of loan default it is suggests the stakeholders in the credit system including the banks and government must implement policies that will facilitate the minimization of the internal as well as external factors that precipitate NPLs.
机译：该研究旨在确定影响商业银行部门不良贷款的因素;在研究区域的公共和私人银行中。为了实现“总体目标和特定目标”，本研究着眼于影响不良贷款的制度因素和特定于客户的因素，并且可以实施补救措施以降低不良贷款的水平。这项研究还使用了描述性研究设计和定量研究方法，主要数据来源来自CBE和南部地区大深银行区的52名信贷人员。抽样技术是目的抽样方法。但是，样本仅是从信贷人员那里选择的。对于数据分析，描述性统计包括均值，标准差。使用偏差，频率和百分比。研究结果表明，银行的具体因素包括：银行的规模和绩效，信贷规模，不良的信贷评估，不良的信贷条件，缺乏积极的信贷收集系统，抵押品的性质不足，是影响不良贷款的特定于银行的因素。另一方面，借款人不愿偿还贷款，将客户资金用于意外目的的转移被确定为影响不良贷款的客户特定因素。因此，为了减少贷款违约的发生，建议信贷体系中的利益相关者，包括银行和政府，必须执行有助于最小化导致不良贷款形成的内部和外部因素的政策。

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