孟加拉国的不良贷款:伊斯兰银行与传统银行的比较研究

S. Rezina, Rubaiyat Shaimom Chowdhury, N. Jahan
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引用次数: 8

摘要

银行业务是孟加拉国蓬勃发展的业务之一。但目前,由于不良贷款(NPL)比例不断上升,该行业正在努力走上增长道路。不良贷款对银行业务的增长产生了负面影响。本研究比较了传统银行和伊斯兰银行两种主流银行体系的经营模式对不良贷款的影响程度。其他变量如银行的治理、官僚主义、银行的规模、准备金率、资本充足率和利率的差异对不良贷款有不同的影响。我们根据主流银行运营模型解释了变量对银行绩效的影响。最后,提出了减少不良贷款的措施。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Non-Performing Loan in Bangladesh: A Comparative Study on the Islamic Banks and Conventional Banks
The banking business is one of the booming businesses in Bangladesh. But at present, the sector is struggling to be on the growth path due to the growing proportion of Non-Performing Loan (NPL). The NPL has instigated a negative influence on the growth of Banking Business. This study has compared the severity of the impact of operational modes between two mainstream banking systems, traditional banking and Islamic banking, which may affect Non-performing loans. Other variables such as governance of the banks, bureaucracy, and size of the banks, the difference in reserve ratio, capital adequacy ratio, and interest rates have different impacts on NPL. We have explained the impact of the variables on the bank performance as per mainstream banking operational model. Finally, we have proposed some evocative measures through which the Non-performing loan can be minimized.
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