Study On The Non-performing Loans Of The Agriculture Bank Of China

The banking sector is a risk-intensive industry. Credit assets as the bank's core assets, is characterized by very high risk. The level of quality of credit assets is directly related to the bank's survival, development and stability of the financial order. Non-performing loan problem is the universal problem faced by the banking industry all over the world. Many developed countries suffered bank crises caused by non-performing assets, and The main inducement that current world financial crisis broken out just is a large number of non-performing loans (subordinated debt) accumulated by American financial institutions for a long time. The problem of non-performing loans of commercial banks is a local problem which has long been troubling china banking. Facing the impact of foreign banks and needs of adapting to participating in international competition, preventing and defusing risks of non-performing loan have far-reaching historical and practical significance for sound and healthy development of the china banking.According to financial, economic and other relevant theory, based on Positive Expedition to the the status, characteristics, problems and their causes of non-performing loans of a branch of the Agricultural Bank of China, drawing on the experience of preventing and defusing Credit Risk abroad, This paper put forward Countermeasures and Suggestion on disposing and defusing of non-performing loans of a branch of the Agricultural Bank of China with the acquisition of providing useful experience for practical and theoretical work..The paper is divided into six chapters:Chapter One: Introduction. This article mainly introduces the purpose, significance, research method and logical thinking. Chapter Two: concept and theory relate of the paper.Chapter Three: Taking the example of a branch of the Agricultural Bank of China, this article elaborates the Basic information, features and management of non-performing loans.Chapter Fore: Through the study of non-performing loans in A branch of the agriculture bank of china, this article analyzes reason of the non-performing loans.Chapter Five: drawing on the management experience in non-performing loan from foreign commercial banks, this article summarizes the main measures to deal with the non-performing loans.Chapter Six: Based the analyses above, for the status of non-performing loans of A branch of the agriculture bank of china, ,this article advances some corresponding measures.The innovation of this text lies in: First, Taking the example of a branch of the Agricultural Bank of China, this paper elaborates the Present Situation, features and Existing Problems of non-performing loans and analyzes the cause of non-performing loans from two levels of internal and external; second, drawing on the management experience in non-performing loan from foreign commercial banks, according to the facts of Basic Banks, this article raised Measure for preventing and defusing risks of banks' non-performing loan which has more pertinence and maneuverability.