Dealing Of Bad Assets Of Rural Credit Cooperatives In Liaocheng City

Due to the impact of undeveloped the management system, improper management and government intervention, the rural credit cooperatives has accumulated a large number of non-performing assets, these non-performing assets hinder the development of itself, in other hand, caused a huge negative impact on it. Therefore, it is a very important practical significance on deal with the problem of non-performing assets effectively.Based on the method of qualitative and quantitative analysis, this paper researches the problem of non-performing assets of Liaocheng rural credit cooperation. Founded that there have three factors caused to non-performing assert of Liaocheng rural credit cooperation, which attributed to historical reasons, the cause of the external and internal causes three dimensions; Based on the experience about non-performing assets abroad and domestic, and combined with the factors, which lead to the non-performing assert of Liaocheng rural credit cooperation, and the characteristics of itself, we give some advice on how to deal with the non-performing assert above. And through research, we make a conclusion, such as:(1) The momentum of development of Liaocheng rural credit cooperation is well, but the disposal problem of non-performing assets is still grim. Through the year of2006to2012, the deposit and loan balance of Liaocheng rural credit cooperation increased year by year, the ratio of non-performing assert decreased too, but for the large amount of accumulated asserts, small disposal space, high disposal cost, low recovery rate, the momentum of disposal the non-performing assets is still grim.(2) There are many factor lead to the non-performing assets of Liaocheng rural credit cooperation. The factors, which lead to the non-performing assets of Liaocheng rural credit cooperation can divide into three aspects:policy regimes and historical reasons, management problems as well as factors from borrowers.(3) The disposal methods on how to deal with the non-performing assets are multiple. We must to strengthen the foreclosure, the quality management of additional loans, and the management of recourse guarantor; establish the incentive and restraint mechanisms to dispose the non-performing assets, and strengthen the rate of supervise to activity of disposal non-performing assets, and use the function of government effectively. The main features of this paper are that:(1)From the view of amount and geography, we use the real data to analysis the status of non-performing assets of Liaocheng rural credit cooperation, and analysis the factor of it from the views of the policy institutional factors, management problems, borrowers.(2) Closely linked to the status of non-performing assets of Liaocheng rural credit cooperation, and based on the disposal of non-performing assets at home and abroad, we take advice on how to deal with the non-performing assets of Liaocheng rural credit cooperation from the perspective both itself and the external.