The Research On Poor Credit Management Of Shandong Agricultural Bank

In July of 2005, the China Banking Regulatory Commission published the statistic data that in our country, the commercial banks' non-performing loan balance had achieved 1013.4 billions and the amount is so serious that the safety of financial system has been influenced greatly. With the accelerating reform of the state-owned commercial bank, the great amount of non-performing loan has seriously obstructed the competitiveness of the commercial banks. Under this background, the article states the management theory and the practical statement, and makes a direct demonstration on the non-performing loan management of Shandong Agricultural Bank.The paper is divided into six chapters:Chapter One: Introduction. It states that the Shandong Agricultural Bank suffers from a great deal of non-performing loan with serious risks as well as the practical significance of the study.Chapter Two: Theoretical analysis of the commercial banks' management of the non-performing loan. This chapter elaborates the concept, classification of non-performing loan, and the theoretical explanation of its produce; meanwhile, introduces the main factors, which cause the non-performing loan to the commercial banks, and an essential model of its management.Chapter Three: The management model of Shandong Agricultural Bank and its evaluation. This chapter analyzes the specific cause of the non-performing loan in Shandong Agricultural Bank. Using statistical data, it points that the dealing ways has lead to a decreasing efficiency for its old and simple though the model had some effect, and the non-performing loan has a great increace. It also indicates the...