法律环境对银行不良贷款回收的影响机制研究

doi:10.16381/j.cnki.issn1003-207x.2021.1181

Abstract

Abstract: Recovery of non-performing loans is an important link for commercial Banks to serve the real economy and improve asset quality. Due to the weak legal awareness, some enterprises will be punished with low intensity after default, so they deliberately evade loans,which aggravates the risk accumulation of non-performing loans. It can be seen that the regional legal environment plays an important role in the recovery of non-performing loans. Based on the non-performing loan recovery data of enterprises in a national commercial bank in China, the influence mechanism and path of the legal environment on the non-performing loan recovery is studied by using the mediation effect test model.

Key words: legal environment; legal protection; law enforcement; recovery rate; mediation effect

CLC Number:

F830

LI Nan, CHEN Mu-zi, YANG Xiao-guang. Research on the Influence Mechanism of Legal Environment on the Recovery of Non-performing Loans[J]. Chinese Journal of Management Science, 2022, 30(10): 60-71.

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Research on the Influence Mechanism of Legal Environment on the Recovery of Non-performing Loans

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