The Study On Non-performing Loans Of Banks And The Mechanism Of Creditor' Subrogation

Non-performing loans in commercial banks sector are one of the most perennial spotlight issues in financial domain. In recent years, specialists and professionals in finance from overseas and home have been analyzing the multiple causes to non-performing loans through micro-mechanism and macro-mechanism, and providing many categories of countermeasure. However, the present research achievements don't focus on the issue that the deteriorating problem of dodging a creditor with the worsening societal credit environment is the important direct cause of the arising in large amounts of creditor's rights of non-performing loan. However, researching on the formation of perfect mechanism of ensuring creditor's rights ASAP is the direct efficient conduit of controlling the worsening trend of dodging the creditors and solving the problem of non-performing loans in Chinese banking sector. Through the mechanism of creditor subrogation as an important mechanism to protect creditor' rights, this Article aims at the problem of present situation of non-performing loan in Chinese banking sector and dodging creditor, analyzes the necessity to set up a perfect system of creditor's subrogation, connects research achievements from overseas and home with current societal situations including dodging banking creditors in China, points out the deficiencies in the current mechanism, which is tampering with management of non-performing loans of banks, based on the analysis of connotations of the current mechanism of creditor's subrogation, and provides schemes for perfection in order to solve the problem of non-performing loads of banks.First, this Article introduces the theory of general causes and countermeasures to non-performing loan in Chinese banking sector, sets forth the present situation of non-performing loan in Chinese banking sector and dodging creditors, emphasizes the more advanced and increasingly complicated behavior mode of dodging creditors, analyzes the necessity to set up a perfect mechanism of creditor's subrogation, in order to adapt to he necessity of ensuring creditor' right nowadays and solve effectively the...