The Research About Treatment Of Non-Performing Assets Of Bank C Liaoning Branch

How to effectively handle and resolve non-performing assets of the commercial banking industry has been an international issue. Historical experience shows that if we do not take effective measures to resolve it, it may harm the existence and development of commercial banks, and it may trigger a financial crisis, and then affecting the healthy development of national economy. Therefore, studying the influencing factors and treatments of non-performing loans of bank, has practical meaning for its sound operation and good development.In the past two decades, Bank C Liaoning Branch had experienced a high incidence of non-performing assets, and finally resolved the problem of non-performing assets and achieved the economic transition and restructured the banking sector. In particular, since 1998, Bank C Liaoning Branch take many methods to deal with non-performing assets, as a result the non-performing asset ratio dropped to a reasonable level. However, due to some issues of non-performing loans are not resolved, and the methods of dealing with non-performing need to be improved:-such as lacking methods of treatments, high-cost, immature non-performing assets pricing system, imperfect laws and regulations and Poor social credit circumstance. It is difficult to resolve the next high incidence of non-performing assets, so the effectively method of dealing with non-performing assets is an important issue to be completed for Bank C Liaoning Branch.This paper will analysis of the historical background and reasons of non-performing loans of Bank C Liaoning Branch, and study the methods of dealing with non-performing assets taken by government and Bank C Liaoning Branch, such as fund support by government, establishing financial asset management company, transferring creditor's right into stockholder's right, assets securitization, trust and treatments by bank itself, to find the weakness of the methods, and finally find the effectively method to dealing with the non-performing assets problem in the future for Bank C Liaoning Branch.