On Contributing Factors And Avoiding & Eliminating Ways Of Question Loan Of Yanbian National Commercial Banks

Since the reform and opening up of our country, Yanbian Commercial Bank has made considerable progress in the business, contributed a lot to the economic construction of Yanbian. But, due to many systematic, historic, actual, internal and external reasons, there are many potential risks. With the gradually deepening of the financial system reform, the prevention and resolving of the financial risk is the key point concerned by the financial field. The core of the financial risk is the loan risk problem.At present, the dead loan problem of the financial institutions has become the largest problem, the willful un-repaying, escape repaying, delay repaying and no-repaying occurs nearly in every financial institutions. Before the systematic reform of the financial institutions, many enterprises hadn't repaid the loan to the financial institutions, and many of then haven't repaid it even after the systematic reform, and the problem loans maintained the former state. Some enterprises want to escape the loans during the systematic reform of the financial institutions, this caused the problem loan of the financial institutions increases continuously. Before the non-standard systematic reform, in order to protect the financial liabilities, to ensure the safety of the credit assets, to prevent and resolve the financial risks, this need the government, enterprises, banks and other functional organizations to work together, through the continuous self positioning, to carry out the functions of every parts, to complete the self responsibility behaviors, to realize it according to the law.Yanbian Commercial Bank has large scale of credit assets, but the quality is not very high, the old loan risk hasn't been resolved, and the new loan risks appear again. Only we deeply discover the reason of causing the problem assets, can we treat it according to the respective cases, to resolve all the financial risks.