The Normalization of Deviant Organizational Practices: The Non-performing Loans Problem in China

Predicting Non Performing Loan of Business Bank with Data Mining Techniques

“…A final set of bank-specific variables is consist of bank's efficiency, bank size, moral hazard and credit expansion in the work of Belgrave et al [5]. As considering the lenders, the firm size, CEO's moral identity, ownership type of their enterprise are also relative with loan lose [1].…”

“…The problem of non-performing loan (NPL) is now extracting more attention of both developed and developing country governments [1]. Although NPLs have declined in Unite states, as of December 2012, lenders still held US$164 billion of distressed loans [2].…”

Feature Selection of Nonperforming Loans in Chinese Commercial Banks

“…W= {w 1 , w2… WP} is the feature weight vector finally. We can rank the features in descending order according to w t (1≤t≤p), showing the ability to distinguish the categories from strong to weak sequence.…”

“…In the reform process, China's banking sector accumulated a huge amount of nonperforming loans [1]. In 1999-2000, these assets management companies --China Cinda, China Huarong, China Orient and China Great Wall --stripped of four state-owned commercial banks 1.3939 trillion yuan of bad loans and NPL ratio dropped by nearly 10 percent.…”

Recognizing and Predicting the Non-Performing Loans of Commercial Banks

“…Since then, average bank asset quality deteriorated sharply due to the global economic recession. The non-performing loans (NPLs) problem has received great attention in both developed and developing countries [1][2]. With the deepening of reform and opening-up, Chinese market economy system has been gradually built.…”