| Summary: | 碩士 === 玄奘大學 === 財務金融學系碩士班 === 96 === This research summed up the past Micro-factors and Macro-factors variables in literature and the relationship between nonperforming Loan to analyze and compare. We hope can precisely choose the
variable and the assistance following researcher performs thoroughly to study the discussion. And overall Macro-factors take relevant data for the county city as the main axle. Adopting the OLS regression model and empirical analysis to explore the regional nonperforming Loan and the relationship between Macro-factors. The sample period is from 2007 in the first quarter to 2007 in the fourth quarter.
The research results show that the northern region for the Non-performing Loans Borrowers, Savings Rate and Administrative Ratio are significantly positively related with the nonperforming Loan；Loans(including Non-performing Loans) , Average Amount per Borrower are significantly negatively related with the nonperforming Loan. This result has influence is bigger and more significant impact. In the central region, Average Disposable Income are positive associated with nonperforming Loan, and Savings Rate negatively related to nonperforming Loan . The southern region, the Non-performing Loans Borrowers and Administrative Ratio are significantly positively related with the nonperforming Loan ； Loans for nonperforming Loan is the impact of negatively relations.
The results of this study, the view to the financial institutions in credit processes help, but also provide reference for the nonperforming market.
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