On ICBC Shaanxi Branch Solution To The Problem Of Non-Performing Loans

With the global financial integration, the risks faced by the banking sector increasingly complex and diversified, and the conduction of the financial risks increasingly close.The problem of non-performing loans has always been concerned by the financial sector. Two large-scale policy of stripping on bad loans has preliminary solved historical baggage that has been troubling the Industrial and Commercial Bank for years . The successful listing of China Industrial and Commercial Bank has raised concerns and reputations at home and abroad. Industrial and Commercial Bank of China as one of its branches, after stripping and autonomy of resolving ,the non-performing loan ratio of ICBC Shaanxi branch is still higher than the head office level and regulatory requirements, in the quest for self-sustainable development and within the framework of the internal and external regulatory requirements , research and explore solutions to the problem of non-performing loans, inhibition of non-performing loans and a large-scale re-discover and eliminate potential hidden dangers of non-performing loans,the Shaanxi branch of ICBC enhance the core competitiveness of the work at this stage is still the focus.Through the full investigation and the collection of a lot of data, this paper use lots of methods,such as qualitative and quantitative analysis, mathematical statistics, comparative analysis and standard methodology.At the same time, the essay combines theory and practice to analyse and discuss the current situations and features of the Shaanxi branch of the ICBC bad loans. Besides, the paper comb and sum up the ICBC Shaanxi branch of the management of non-performing loans, and analyse the general and special reasons for bad loans .On the basis of studying and resolving the opportunities and problems that the Shaanxi branch of ICBC is facing , combining ICBC Shaanxi branch of the specific status and reality, we give the solution to the problem of non-performing loans in Shaanxi branch of the overall idea and alternative options.Then we set up a multi-level comprehensive evaluation method of ICBC Shaanxi Branch bad loans mode options based on fuzzy, and choose the applicability evaluation of the results. By the end of the programme, we put forward implementation measures.