Analysis On S Rural Commercial Bank A Branch’s Resolution And Prevention Of Small Micro-Enterprises’ Non-performing Loans

With the deepening reform of rural credit cooperatives, many rural commercial banks have sprung up across our country. The new rural commercial banks will face pressure from two aspects of bad assets management, the first is the management and disposal of the stock of the non-performing loan, the second is the guard against the new. S rural commercial bank has been exploring scientific and effective methods of credit risk management actively since it was established in late 2011. In particular, S rural commercial bank always adheres to the Policy of Agriculture, Countryside, and Farmer Issues, and is dedicated to small micro-enterprises. S rural commercial bank has made some achievements in small micro-financial services, but it has not yet formed perfect small micro-credit risk management system because of many internal and external factors. What’s more, there are many loopholes in non-performing loans disposal, which make it difficult for S rural commercial bank to promote the development of small micro-enterprises loan business.In this paper, it will mainly investigate the systems, data and case of the credit management and non-performing loan collection established by S rural commercial bank A branch, based on which it will analyze how A branch prevent and disposes the non-performing. Firstly, it will put forward that A branch faces large scale and high defective rate of small micro-enterprises’ non-performing loans. Secondly, it will analyze and study the characteristics and causes of small micro-enterprises’ non-performing loans. Finally, it will put forward proposals for S rural commercial bank to prevent and dispose the non-performing loans of small micro-enterprises, which will have realistic significance for S rural commercial bank to improve the level of credit risk prevention and efficiency of bad loans disposal, promote the sustainable development of small micro-enterprises’ loan business, and increase the profitability and anti-risk capability. In this paper, it will also provide reference for the domestic rural commercial banks as well as medium-sized financial institutions to manage the non-performing loans of smal micro-enterprises.