| Title: | The Factors Influencing Non-Performing Loans in Regional Banks: A Case Study of Dongying Bank |
| Author: | Sun Mengzhu |
| Advisor: | Dr. Ma Yu |
| Degree: | Master of Business Administration |
| Major: | Finance and Accounting |
| Faculty: | บัณฑิตวิทยาลัย (Graduate School) |
| Academic year: | 2568 (2025) |
| Published: | นำเสนอในที่ประชุมวิชาการ (Conference) The 18th National and International Academic Conference “Sustainable Horizon: Transforming Ideas into Impact” 6-7 August 2025 (pp.1037-1046) Click PDF |
Abstract
Regional disparities in commercial banks’ non-performing loan (NPL) ratios not only reduce the efficiency of interregional capital flows but also adversely affect regional financial stability. Furthermore, such imbalances may hinder coordinated economic development across the country. Therefore, studying the influencing factors of commercial banks’ NPLs is essential for promoting synergistic growth in regional banking sectors and ensuring the healthy development of China’s economy and financial system. The purpose of this study was to explore the influence of industrial structure upgrading, government intervention and financial technology on NPLs. This study used a quantitative methodology, data were collected through an online questionnaire survey for subsequent statistical analysis and interpretation. The survey was administered electronically to 189 employees at Dongying Bank’s Jinan branch, yielding 182 valid responses (96.3% response rate) that were subsequently analyzed using SPSS statistical software. The findings confirm that industrial structure upgrading and financial technology exert statistically significant negative effects on bank non-performing loans, while government intervention exert statistically significant positive effects on bank non-performing loans. Furthermore, this study provides actionable recommendations to inform future development: 1) Maintaining steady regional economic growth and promoting industrial transformation and upgrading, 2) strengthening effective government governance and addressing regulatory gaps, and 3) adapting to financial technology innovations to accelerate financial deepening.
Keywords: non-performing loans, industrial structure upgrading, government intervention, financial technology, Dongying Bank
6617195743 Sun Mengzhu, 2568 (2025). Advisor: Dr. Ma Yu, สารนิพนธ์ (Independent Study), The Factors Influencing Non-Performing Loans in Regional Banks: A Case Study of Dongying Bank, นำเสนอในที่ประชุมวิชาการ (Conference), The 18th National and International Academic Conference 2025, ปริญญาโท (Master’s Degree), บัณฑิตวิทยาลัย (Graduate School), Master of Business Administration, Finance and Accounting, Siam University, Bangkok, Thailand – มหาวิทยาลัยสยาม กรุงเทพมหานคร ประเทศไทย
