Các yếu tố kinh tế vĩ mô ảnh hưởng đến nợ xấu của ngân hàng các nước khu vực Châu Á Thái Bình Dương

Abstract

The paper is conducted with the objective of identifying macroeconomic factors such as: (1) economic growth rate (GDP), (2) inflation rate (INF), (3) interest rate (IR), (4) industrial development index (IPI), (5) unemployment rate (UN), (6) amount of money supply (V2), consumer price index (CPI) affect NPLs in the banking sector of 13 Asia Pacific countries were published on Wordbank over a period of 10 years. The results of the study found that there are two inverse relations between GDP and IPI that affect the NPL and there are two positive relations that affect NLP. From this result, lessons can be drawn and proposed solutions to stabilize the macro economy to reduce the bad debt ratio (NPL) in Vietnam’s banking sector to match the Industry 4.0. This study also provides an empirical evidence of macroeconomic factors that affect bad debt of commercial banks in Vietnam and the world in general.