FACTORS TRIGGERING NON-PERFORMING ASSETS IN APPRAISAL STAGE OF LOANS IN INDIAN COMMERCIAL BANKS- AN EMPIRICAL STUDY

Non-Performing Asset (NPAs) is generated in three stages of loan proposal i.e., appraisal stage, sanction and disbursal stage and post disbursal stage. The first stage is the appraisal stage of a loan where precondition of a loan proposal is analysed. The study aims to find out the causes of NPAs at appraisal stage through primary survey among the credit officers of the bank. Factor analysis is performed to point out the important factors that are responsible for generation of NPAs due to faulty appraisal of a loan. Three major factors i.e. lack of knowledge about exposure, organization failure, and turnaround time (TAT) were obtained through analysis for which major exposure become NPAs. Finally ANOVA, Post-Hoc test between the groups is performed based on the demographic parameters i.e. type of organization they are working, Name of the department the concerned officer is working, and scale of the officers.

不良贷款（Non-Performing Asset, NPAs）产生于贷款申请流程的三大阶段，即贷款评估阶段、审批与放款阶段以及贷后管理阶段。其中第一阶段为贷款评估环节，该环节需对贷款提案的各项前置条件开展分析研判。本研究旨在通过对银行信贷专员开展一手调研，厘清贷款评估阶段不良贷款的产生成因。研究通过因子分析，明确了因贷款评估失误引发不良贷款的关键影响因素。经分析，最终提炼出三大核心驱动因素：授信认知不足、组织机制失效以及周转时长（turnaround time, TAT），上述因素会导致大额授信最终沦为不良贷款。最后，本研究基于三类人口统计学参数——即信贷专员所属机构类型、所在部门名称以及个人职级，开展了方差分析（Analysis of Variance, ANOVA）与组间事后检验。

搜集汇总

背景与挑战

背景概述

该数据集是一项实证研究，通过因子分析识别了印度商业银行贷款审批阶段导致不良资产的三个关键因素：缺乏风险敞口知识、组织失败和周转时间。研究基于对银行信贷官员的调查，并结合了ANOVA和事后检验，以分析人口统计参数的影响。