A Case Study Of Marketing Recovery Of Non-performing Credit Assets

Non-performing assets is the inevitable product emerged during the development of banking industry,The existence of non-performing assets will directly affects the development of a country’s financial.Now, it have become a systematic problem around the world. From 1990 until 2000 period,affects by various reasons, a lot of non-performing assets appeared in bank of our country. It seriously restricts and affects the development of our bank industry,even the whole financial industry.More unfavorable for the sustainable development of our country’s economic in the new period.According to this problem,if we can The phenomenon is not conducive to the the overall national economy,if we can not effective measures to solve this problem.A series of problems caused by non-performing assets of bank will make banking operation facing depressions of live and development.Even raise financial crisis,and affect economic health of one country.By decline of macroeconomic environmental in recent years,bank industry of our country is facing crucible of new turn large scale of non-performing assets.Non-performing assets of bank from the era of increasing in the past two years into period of stock in the future two to three years.So, we must solve the problem of non-performing assets by now.This paper focuses on study of the non-performing assets of banks as a starting point, Through case studies on Branch D in a domestic joint-stock commercial Bank XY. Analyzes the current situations, the causes and the effective way to solve this problem. From both micro and macro aspects,summerize the practical experience during work.At the same time,regarding to the experience of other country,analyze the methord to treat non-performing assets in different history stage.Finally,summary in the current environment,through the way of construction of specialized teams,the cleaning and restructuring transformation of bad assets,disposal of assets,lawsuits,asset securtization etc to solve the problem of commerical bank.This paper is research and market oriented. At the maximum connecting with the market, it is scientifically and rationally helpful in the management and the disposal of non-performing assets, as to raise the overall level of non-performing assets in commercial banks.