China’s Commercial Banks Non-performing Asset Management Problems And Countermeasures

China’s commercial banks have accumulated a huge amount of non-performing assets,and the new non-performing assets are constantly forming, total non-performing assets areincreasing, non-performing assets have already formed the deteriorating trend. This directlyaffects the country’s financial security and stable operation of the economy, and has attractedgreat attention of the parties.This paper analyzes the non-performing assets of commercial banks in China-relatedtheoretical concepts and poor asset management, through survey data showing the status ofnon-performing assets of commercial banks, put forward China’s commercial banksnon-performing asset management in the process of emerging issues, in-depth study thecause of poor asset management of commercial banks bad reasons, and proposed to preventand resolve non-performing assets of commercial banks, improve the management level ofnon-performing assets of commercial banks suggestions combined with China’s actualconditions.This paper argues that the causes of non-performing assets of commercial banks iscomplex, many factors, commercial banks in the course of its management and disposal,there are also many problems and obstacles. These problems on the one hand a collection ofinstitutional factors and market factors, it also reflects the subjective comprehensiveinescapable responsibility macroeconomic factors and environmental changes irresistiblereality policies, decision-making blunders. To improve the management of non-performingassets of the commercial banks have to be done from the level of all-round approach:comprehensive reform of property rights system, commercial banks and enterprises tooptimize corporate governance structure; improvement and development of capital marketsand broaden financing channels for enterprises, the bank’s risk dispersion; at the technicallevel to improve the level of the bank’s operations, the application of advanced technologyand business processes to prevent the formation of non-performing assets; while also improving supervision. Only through joint efforts of all parties, in order to promote andimprove China’s commercial banks to prevent undesirable and disposal of assets, reducefinancial risks and promote the healthy and orderly development of China’s banking sector.