The Study On Dealing With The Problem Of Non-performing Loan Of AK Commercial Banks

The non-performing loan rate is an important indicator of induced financial crisis, also decided the bank profit ratio and core competitiveness of the important factors. As the core of commercial bank risk, risk of nonperforming loans showed not only affects commercial banks to achieve business goals lead to reputation, also affect the social and economic benefits to form social risk, eventually lead to social unrest and. Reforming and opening30years, China’s banking industry has accumulated a large number of non-performing loans, commercial bank’s non-performing loan rate is much higher than the international warning line, poses a serious threat to our bank system stability, so the study of bad loans in China’s commercial banks influence factor and the prevention measures, of the financial security of our country and the economy, social stability has certain theory significance and the practical significance.In the introduction part, mainly introduced the non-performing loan related theories and research results at home and abroad, and the domestic and foreign research achievement undertook be commentinged simply. On this basis, this paper describes research ideas, research methods and main research contents.The second chapter introduces the non-performing loans of commercial banks present situation and the change tendency, the theoretical reason undertook an analysis, which, with emphasis on several categories of non-performing loans of commercial banks as well as the situation of the five major state-owned commercial banks non-performing loan current situation undertook detailed comparative analysis.The third chapter focuses on the domestic commercial bank bad loan problems affecting factors were analyzed, from the macro factors, borrowers and lenders to explore three aspects of the different factors on affecting the formation of non-performing loans. Pointed out that the formation of bad loans is not the single factor influence the results, both the government regulatory reasons, also has a bank, loan business reasons.In the fourth chapter, introduces the United States, Poland, Korea, three different types of countries in dealing with the bad loans of the mode and successful experience, summed up the our country dealing with the bad loans of the enlightenment, and combining the actual situation of our country current to our country to deal with non-performing loans in the evaluation.This paper finds out the factors of influencing non-performing loans from the development of macroeconomic, the actions of banks and the enterprise, and then finds out the suggestions of non-performing loans. Based on the methods of handling non-performing loan domestic and overseas, respectively put forward suggestions from government, bank and enterprise. Government should complete well relevant laws and rules and optimize the environment of credit. At the same time government should take measures to expand the domestic demand, stimulating the consumption of resident and expand the import and export so that promote the development of economy furthermore increase the finance revenue. To some extent it could indirectly decrease the quantity of non-performing loan of commercial bank.Banks should focus on building scientific management system of non-performing loans. Otherwise, put attention on the occupational qualities and the level of morality. Enterprises should focus on high up the economic efficiency, borrowing a loan in good faith, not to make fake contracts in order to get the loan. And they should enhance their own moral quality, manage in good faith and gain the loan by reasonable legal methods.