摘要： 不良贷款不仅受经济周期影响,还受银行自身不同经营特点的影响。运用动态面板数据模型,以2009—2013年沪深两市14家上市银行所组成的平行面板数据为样本,对我国上市银行不良贷款影响因素进行实证研究,结果表明:宏观经济因素(GDP增长率、利率)是我国上市银行不良贷款水平的基本影响因素,除此之外,银行效率、多元化水平、资本充足率以及所有权结构等特征因素也能显著影响上市银行不良贷款水平。
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