The Research On Disposal Mode About Non-performing Assets Of WZ ABC

After the2008U.S. subprime mortgage crisis triggered by the world financial crisis, the bank non-performing assets is always a serious threat to the bank of steady development. Huge financial problems of non-performing assets have a serious impact on the economic development of countries in the world, and seriously disrupt the normal economic order. Economic downturn will impact banks’bad assets, they are circulating impact intensified relationship.WZ ABC as a commercial bank, had also affected the huge non-performing assets, after years of effort, ABC’s non-performing asset ratio WZ currently at a low level. But overall smaller WZ ABC, management philosophy needs to be further improved, coupled with an increasingly complex world financial environment, business risks facing an unprecedented increase WZ ABC. Since WZ ABC’s own special historical background, dispose of non-performing assets is mostly a special method under a specific historical period, for current and future reference ABC WZ non-performing assets is unlikely. Thus, in a tough situation in the world economy as a whole, WZ ABC to achieve its long-term development goals, it is necessary for the non-performing assets that may arise during the operation of a certain theory, make appropriate disposal and preventive measures, good development preparation and infrastructure work. In this context, this paper characteristics of WZ ABC-performing assets, dispose of the status quo, and in-depth study of the causes for the WZ ABC built up a desk productive non-performing assets disposal mode, and you want to frame the research paper is China’s commercial banks non-performing assets disposal patterns play a reference.Based on the literature review on the disposal of non-performing assets of the bank, the first of China’s commercial banks non-performing assets disposal overview, discuss the main mode of disposal of non-performing assets at home and abroad and reference; secondly the status of non-performing assets and the existence of WZ ABC the analysis of the problem, describes the status of work WZ ABC-performing loans, non-performing assets, the status of the management of non-performing assets are analyzed, pointing out the existence of internal and external reasons, to build on this foundation to explore patterns WZ ABC centralized disposal of bad assets, compared the advantages and disadvantages of the three main asset disposal centralized model is proposed based on non-performing asset management model focused on the disposal of an internal matrix, and proposed implementation of safeguards WZ ABC mode centralized disposal of bad assets, the disposal of non-performing assets from the target, multi-dimensional classification, due diligence, asset valuation method selection, specific ways to dispose of other aspects of the safeguards WZ ABC centralize disposal of assets. Finally, the full text summary, shortcomings and propose future research directions exist.