Study On The Disposal Countermeasures Of Non-performing Assets Of City Commercial Banks At This Stage

The good operation of banking is very important to a country's economic stability, so the safety of the banking industry development is urgently needed, but even in countries attach great importance to, many countries have serious problems about the banking system, the reason is mainly caused by excessive non-performing assets. So the healthy development of banking industry mainly depends on the good control of non-performing assets, not only to control the amount of non-performing assets, more to the bank are non-performing assets to be reused, let the banks non-performing assets come back to be normal, re-entered into the bank's operational content, weaken impact on the safety of the banks non-performing assets also give banks more ability to resist risks which brought by the external factors. A large portion of the main body in the bank are each city commercial banks, if these cities commercial banks all have problems of non-performing assets, so the safety about China's banking industry will be worried. According to the China banking regulatory commission report, by the end of 2015, China's commercial banks non-performing assets has reached 1.27 trillion yuan, increased by 431.8 billion yuan, a 51.2% increase in 2014. In such circumstances, how to disposal of non-performing assets, as soon as possible, reduce the risk of bank management, improve the bank operating profits, has become an important premise to banks continued healthy management.In this background, this paper first expounds on the research background, purpose, significance and the domestic and foreign research present situation, the research status at home and abroad from the causes of the formation about non-performing assets and non-performing assets disposal are studied; Secondly, based on the current situation of the city non-performing assets about commercial Banks to analyze the cause of the macro and micro aspects, macro factors include economic environment, the special economic system, the regulation system and inadequate laws and regulations, the effects of the microcosmic reasons include borrowers capital status, city commercial market competitiveness and governance structure; Again, from the city commercial bank non-performing assets disposal of the current measures mainly recovery, debt cancel after verification, bad assets replacement of litigation, non-performing assets priced, non-performing assets and debts into shares, at the disposal of non-performing assets of these measures for concrete analysis, put forward disposal that may encounter in the process of a series of problems; Then, draw lessons from developed countries mainly in South Korea, Japan and the United States, the disposal of non-performing assets about commercial bank's experience, draw the corresponding revelation; Finally, proposed new ideas and measures about our country city commercial bank disposal of the non-performing assets at the present stage.In view of status quo of city commercial Banks in China, this paper mainly suggest that city commercial banks should explore try non-performing assets securitization mode. Close contact with the local government, rely on the local government's policy support, the government should play the role of guiding actively. With the help of the Internet platform, integrating various resources, to achieve "Internet+" non-performing assets disposal mode, fair and efficient disposal of non-performing assets. Attaches great importance to the risk management, kill the bad assets in the cradle, reasonable and effective use the traditional and new way to dispose non-performing assets. To macimize the dispose incremental stock of non-performing assets, to speed up the pace of the development of the city commercial banks.