Research On Bad Loans Management Research Zhengzhou Branch Of CCB

The core of modern economy is finance which is also the main body of the financial industry. As opening to the outside world, China’s financial industry’s assets of state-owned commercial banks have become the shackles of the healthy development. Undoubtedly harmfulness of bad loans has become a major hidden danger in the banking system in China. And based on the problem of non-performing loans of state-owned banks the state-owned commercial banks state an important position in the Chinese financial industry, which has aroused a high degree of attention to the financial sector. Construction Bank of Zhengzhou branch is the primary Chinese directly under the branch of the China Construction Bank, the overall situation of the non-performing loan is good, which can reach the minimum requirements of CCB’s bottom line each year. From2009to2012, the numbers of non-performing loans have decreased, but the beginning of non-performing loans in2013showing a clear upward trend. In practice, there are still many problems in the management and disposal of non-performing loans, and for some part of the stock of non-performing loans and non-performing loans of the project will become less effective and timely solution to curb. Therefore, the study of non-performing loans of state-owned commercial banks not only has an important theoretical significance, but also has outstanding practical reference value and making state-owned commercial banks to make bad loans on more targeted judgment.Based on the domestic and non-performing loan management theory and through the methods of comparative analysis, theoretical and empirical method, the problems of non-performing loans CCB Zhengzhou were in-depth researched. And according to the status of CCB Zhengzhou branch of bad loans working poor assets, the status of non-performing loans management capacity for analysis, noting that the internal management problems CCB branch in Zhengzhou immediate presence:risk control mechanism is not perfect, fine enough degree of management, assessment and incentive measures in place, the slow pace of recovery and disposal. Then combined with the developed countries, transition countries and the Asian financial crisis in the country on behalf of the three types of banking experience and enlightenment in the disposal of non-performing loans, non-performing loans in this article provide a reference for the management plan; the presence of non-performing loans management Finally previously raised questions proposed four specific management measures: to strengthen risk control infrastructure to optimize credit structure, improve internal controls to strengthen the application of IT technology, improve the incentive examination system to enhance staff training, building a matrix pattern inside the disposal of non-performing loans of centralized management. Through these four measures, non-performing loan management standardization was sought immediately. It could realize the healthy and orderly development and provide effective collect safeguard mechanism for credit business.