Study Of Non-performing Assets Disposition In Bank Of XX

From the80’s in last century, more than100countries including the United States, Poland, Japan, Korea, Indonesia, have experienced different degrees of financial crisis, In2008, the United States break out mortgage crisis, the Wall Street storm caused by the United States sub-loan crisis, quickly swept the world and become worse. Now it has evolved into a global financial crisis, seriously affected the healthy development of the global economy, made amount of non-performing assets of the banks in the world, due to the global banking crisis. From Wall Street to the whole world, from the financial sector to the real economy, governments are facing a serious economic crisis, management the huge amount of non-performing assets has become a major problem what governments and banks facing.The international financial crisis is still in the "recovery+uncertainly" state, the economic development of China also faces many risks and challenges, such as high expected inflation, continuous soaring CPI etc. The instability of macro business environment and economic policy directly effect the quality of credit assets of XX Bank, decline the quality of assets. Financial reform, financial disintermediation, marketization of interest rate grow fast, formal implementation of New Capital Accord, the growth of shadow banks, bring greater pressure on the development of business banks. It is highly necessary to study disposal methods and prevention measures of non-performing assets (NPA).XX Bank undertook the NPA of the city credit cooperative, in addition to the other reasons, the number of NPA of XX Bank is increasing. The new leading group disposed the NPA successfully with various measures, such as seeking the support of the government. But the NPA disposal still have many problems, and there are still a lot of room for improvement. Compared such the methods with the previous experience and inspiration from US, Japan and Korea, we proposed innovative method to conduct such NPA of XX Bank, in order to enhance the disposal level of non-performing assets profitability of XX bank.With the development of the construction of the "Regional Management, Market Development", XX Bank will conduct the NPA with a harmonic and rational method. XX Bank is a local bank with limited asset. It is still quite young without too much experience. Such innovative methods will definitely benefit the development of XX Bank, it will also benefit other local banks with the successful experience.