The Research On Non-performing Loan Mamagement Of Construction Bank Tianxin Changsha Branch

The question of the non-performing loan is a question which all banks must face in the world. The amount of the non-performing loan concerns the existence of the bank, concern national economic security. The non-performing loan number of the commercial bank of our country is enormous, and " decline clearly while increase secretly " in recent years, the question of the non-performing loan must cause the high concern .Solve the problem of non-performing loans of the bank, must proceed with two respects ,First , handle the stock non-performing loan that has already appeared , second , take precautions against and take place the new non-performing loan. After the Tianxin branch is established on day, especially since 1998 , have all done a large amount of work in these two respects. In handling the non-performing loan of the stock, set up specialized agency is it handle non-performing loan of whole bank , is it charge loan , charge the loan , strip and cancel through the legal lawsuit after verification by force to call for bid to concentrate on mainly; In taking precautions against the newly-increased non-performing loan, strengthen after the loan managing , is it examine loan separate collective examination and approval system , launch customer credit appraise , set up the responsibility system of the loan , popularize the platform project of risk management to implement mainly.Generally speaking, the whole loan of the Tianxin branch is high in quality on day, arranging before occupying the same trade, the growth of the non-performing loan has already been checked effectively in recent years, have already set up one set and relatively improved the counter measures system of the non-performing loan. However, it is high in quality to grant the loan , owe much to the large proportion of granting the loan of power industry, sustain " pair is lowered " , owe much to stripping , cancels after verification and new loan supply of the non-performing loan in bad loan value , non-performing loan rate, branch vitalize , handle ability of non-performing loan and strick precaution ability , credit of risk also not strong really, the whole quality of the credit personnel of the branch is on the low side, also there are many questions in handling and taking precautions against the means , method of the non-performing loan.To the question that the non-performing loan administrative institute of the Tianxin branch exists on day, I adopt the following countermeasure at stage afterproposing day in the Tianxin branch: First, optimize the structure of loan , widen the lending market ; Second , implement the credit management mode that " pair examines one pair of loans "; Three is that more than handle the non-performing loan of the stock from " helping to support " the debtor angle; Fourth, the method to change loan and deposit and get in touch closely, manage the credit special line; Fifth , improve credit personnel's quality in a more cost-effective manner. Meanwhile, the non-performing loan of the Tianxin branch can't totally solve the problem to manage yet on day, there must be cooperation of external strength and external environment, it is mainly property relations that will reform the bank, strengthen supervision, improve the social legal environment and credit environment. Because such respects as management environment , developing history ,etc. are the same, the non-performing loan management of every commercial bank of our country has similar the very strong one, these countermeasures are suitable for other commercial bank , especially second branch of four major state-run commercial banks too.