On The Preventive Measures Of Non-performing Loans In F Branch Of I Bank

The rate of bad loans is an important indicator of the evaluation of the modern commercial bank asset quality and management performance. Commercial bank is the core sector of the financial system of our country, the decline in asset quality will bring a series of social problems. In recent years, along with our country economy into a period of transition, the standard local debt, the real estate market volatility, excess capacity adjustment, which makes the commercial bank non-performing loan rate of rise. Although the line is also used a variety of means to carry out the disposal of non-performing loans, but, according to the latest statistics of the CBRC in 2014, national commercial banks non-performing loan rate reached the highest level in 10 years,1.25%. Therefore, the prevention and control of non-performing loans become the focus of attention of the banks again. It will the focus of the work of the future in a period of time where.This paper, at the base of the internal financial fragility theory, credit theory, asymmetric information, loan borrower relationship, by my work, beginning with the I bank of F branch, analyzes the bank in the prevention of non-performing loans on existing measures and existing problems in the specific operations. To analyze the reasons for bad loans, there are three aspects of the macro environment, the borrower, the bank. Then, through in-depth analysis of the line of a bad loan case, from the overall decision, the flow of credit, staff management and other aspects of the bank non-performing loans prevention recommendations, push the line of non-performing loans in order to control, effectively reduce the bank’s non-performing loan ratio.