The Non-performing Assets Management Study Of DG Bank's

As the core of modern economy, finance plays a central role. However, since the eighties of last century, the world has experience times of banking crises, financial crisis and even the economic crisis, and they all related to bank's non-performing assets. The non-performing assets of banks have a great impact on financial distress. The various types of financial instruments is difficult to function properly because of the non-performing assets of bank. Thereby, it endangering the running of economy. Financial non-performing assets has become a worldwide problem today.Urban commercial banks, as the by-product of accumulated financial risks of urban credit cooperatives in mid-20th century, did not have strong internal management capacity due to historical reasons. There is a big gap between the urban commercial banks and state–owned banks or other joint-stock banks in the overall strength, internal management capacity, and profitability. At the same time, the urban commercial banks gathered a large number of historical non-performing assets due to the historical reasons, and after the reform of the bank system, the urban commercial banks created a new non-performing assets.Because of the geographical constraints , the urban commercial banks have a small assets scale, correspondingly ,the anti-risk ability is weak, while the nature and status of urban commercial banks also determine it hard to get the national support in financial policy and resources in the process of resolving non-performing assets .the non-performing assets is particularly severe in urban commercial banks. At present, many urban commercial banks make reform ,seeking to operate cross-regional to achieve the listing. Urban commercial banks have to upload the burden of non-performing assets and resolve the risk to achieve healthy and stable developments.This paper study other countries experience in dealing with non-performing assets from a comparative perspective and research the DG Bank`s practice in the dealing with non-performing assets according to our practice. The non-performing assets of banks as the main line throughout the whole paper. the paper is discussed in three parts namely (1)the international comparison in bank non-performing assets management (2) DG Bank's operation and status of non-performing assets (3) DG Bank`s non-performing assets management strategy. It hope to provide a viable option to urban commercial banks to resolve the problem of non-performing assets.