Causes Of Bad Loans And Risk Control Of Commercial Banks

In recent years, by the impact of domestic and international economic and financial situation, development of China’s financial industry into a more difficult situation, enterprises the default, individual boss on foot and so increasing non-performing loans continued to rise in the banking sector, it has seriously affected the financial sector continued to healthy development. How can effectively control the growth of non-performing loans, the effective disposal of bad assets, but also to ensure a smooth and orderly development of banking services, including all domestic commercial banks has become urgent research topics, including Bank of Beijing.In this paper, the status quo NPL management Beijing Branch of Bank of Hangzhou for the study, the results of basic research in theoretical economic circles at home and abroad on the causes of non-performing loans, the use of comparative law, case studies and other research methods, through a lot of data to support, for business bad bank loan management problems and deficiencies that exist were analyzed, and finally put forward measures to improve the disposal of non-performing loans of commercial banks and prevention recommendations.NPL solutions proposed in this paper have sufficient data to support and specific examples based, with a strong operational. And because the Bank of Beijing has a history of the development of China’s commercial banks better demonstration effect, a commercial bank bad loan disposal of the paper form and precautions for other commercial banks also have a certain promotion, Significance.