Study On The Problem Of Non-performing Asset Disposal Of Rural Credit Cooperatives Reform Rural Commercial Bank-guangning Rural Credit Cooperatives As Example

In recent years, the construction of the Rural Commercial Bank (hereinafterreferred to as agricultural businesses) is the rural credit cooperatives (hereinafterreferred to as Nongxinshe) years of ideal and goal. However, because GuangningCounty Rural credit cooperatives long system relative to lag behind, in addition to thepolicy effects and extensive management, property rights system, internal management,supervision, benefit level and many other aspects,there is a gap between GuangningCounty Rural credit cooperatives and commercial banks, especially the high proportionof non-performing assets, beyond the banking supervision Association warning line, toachieve the goal to set up rural commercial banks.The problem of non-performing assets is a major problem that restrict thedevelopment of rural credit cooperatives, but also optimize the industrial structure ofrural credit cooperatives, realize business assets of rural credit cooperatives, to deepenthe reform of rural credit cooperatives urgent problem. In the tide of reform of ruralcredit cooperatives, how to effectively activate the bad assets of rural creditcooperatives, has become the key to the success or failure of the reform of rural creditcooperatives.According to the status quo, and the causes of the non-performing assetsof rural credit cooperatives countermeasures, rural credit cooperatives should takeactive and effective way, a feasible method to dispose of non-performing assets,comprehensive management, an antidote against the disease, can the greatest degree ofrevitalizing rural credit cooperatives non-performing assets, achieve the purpose ofdeepening reform and development.In this paper, by using the typical analysis and literature research methods, gives adetailed analysis on the disposal of non-performing assets problem by combiningtheory with practice of Guangning County Rural Credit Cooperatives in therestructuring of commercial bank. Research results at home and abroad related theoriessuch as usu city credit cooperatives, rural cooperative finance theory in Germany, thedisposal of bad assets theory is summarized, and the development trend of GuangningCounty Credit Cooperatives in the future are discussed.Then, compares non-performing assets disposal methods and the existence ofnational credit system, using all kinds of relevant information and data, through thetransformation and analysis, obtains the Guangning County Credit Union disposal isrelatively high conclusion, and according to the non-performing assets of the causes,the current situation and the countermeasures are analyzed in detail.Based on the case study of non-performing assets, a grassroots credit cooperativesof Guangning County Rural Credit Cooperatives, analysis of countermeasures,andcauses of non-performing assets of rural credit cooperatives. On the disposal of badassets, the solution were studied,and through the analysis including the traditionalmethods, cooperation with local government, use social forces,the use of trust and othermeans of disposing, find a good method to resolve non-performing assets.Keywords:non-performing assets of rural credit cooperatives; transformation。...