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Researches on Determinants of the Loan Loss Allowance

Author: LiBiRong
Tutor: DingYouGang
School: Jinan University
Course: Accounting
Keywords: Loan loss reserve Factors Determinants of non- arbitrary Any determinants
CLC: F224
Type: Master's thesis
Year: 2011
Downloads: 190
Quote: 0
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Bank loan loss provision for loan losses is estimated and extracted to forestall the possibility of credit risk reserves that banks sound operation of the premise. 2008 global financial crisis, countries around the world to re-examine and to pay more attention to the reserve bank 's provision for loan losses , and bank capital regulation and the provision for loan loss reserves continuously put forward higher requirements to ensure the stability of the banking business and finance stability of the system . In this paper, our institutional and policy background, to our commercial banks listed on the stock market between 2002-2009, was a sample of 104 companies , bank loan loss reserves on the factors affecting the empirical research . In this paper, affect both subjective and objective point of view, the bank loan loss provisioning into the determinants of non-discretionary and arbitrary determinants determinants categories. Conclusions showed that: bank earnings levels and loan loss reserve provision was significantly positively related to bank size , changes in the level of future earnings and loan growth and the provision for loan loss reserves are not related to the non- state-owned commercial banks non-performing loans and capital adequacy ratio and loan loss reserve provision was significantly positively related to asset-liability ratio and the provision for loan losses was significantly negatively correlated . Namely commercial banks through loan loss provisions to manage earnings motivation ; addition, non- state-owned commercial banks have to prepare for loan losses through capital management and risk control motives. I hope this study various policies for China's banking system has been developed to provide useful data to support a clear formulation of the policies proposed implementation of the system likely to loan loss provisioning impact and for subsequent empirical research provides clues .

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