Causes And Solutions Of Non - Performing Loans Of Joint - Stock Commercial Banks In Inner

When the National joint-stock commercial banks participated in the financial market of Inner Mongolia area nowadays, their advantages such as flexible runnning strategy, ability to innovation, various kinds of productions and efficiency in running just showed. They integrated into the local financial market quickly and made great contributions to the development of the real economy in Inner Mongolia and the services to the local financial concumers. And also they created a new way of thinking to the development of the. local finance and the expanding of the local financial institutions.However, as the development of Chinese economy entered into the adjustment period, the development of Inner Mongolia’s economy also slowed down. Under such macro economy background, the disadvanteges of the National joint-stock commercial banks such as tiny scale of the capital and assets, the weakness in resist in the risks just showed out. Almost all the institutions of the National joint-stock commercial banks in Inner Monlia suffered such a problem as the quality of their credit aseets depravated day by day.This paper mainly analysed the present situation and the features of the non-performing loans of the institutions of the National joint-stock commercial banks in Inner Mongolia through the base of the analysion of the data of the non-performing loans of the institutions of the National joint-stock commercial banks in Inner Mongolia during the lately 5 years. And also, this paper analysed the reasons which leaded to the creation of the non-performing loans of the institutions of the National joint-stock commercial banks in Inner Mongolia and the main effected factors to the creation of the non-performing loans according to the Actual situation in Inner Mongolia area and the characteristics in the daily running of the institutions of the National joint-stock commercial banks in Inner Mongolia. Finaly, this paper made the qualitative analysis to such effected factors above, searched out the connections between these factors and the fluctuation of the non-performing loans in order to find the ways in which we can restrain the growth of the non-performing loans of the institutions of the National joint-stock commercial banks in Inner Mongolia.