Study On The Disposal Of Non-performing Loans Of X Bank Zhengzhou Branch

Since the beginning of 2014, China's economy has entered a new normal,continued downward pressure on the economy increase, the real economic difficulties continue, the banking business environment is complex and severe, non-performing loans increased, the disposal of pressure increases. Under the new economic normal,how to dispose the non-performing loans more effectively is an important task in the management of each commercial bank. In this context, X bank Zhengzhou branch also face the situation that non-performing loans increased. Especially in 2015 June,by the regional economy downturn, the rapid spread of default risk, affecting the internal management of the bank bad superposition of internal and external factors,the short-term surge in non-performing loans, constitute a great threat to the overall quality of the credit assets, and seriously affect the level of current profits, restricting the sustainable development the bank's future. Affected by this, Zhengzhou branch began to adjust the disposal of non-performing loans policy since September 2015,and a variety of measures, finally realized in the year when the head office established at the beginning of the asset quality control objectives, and achieved certain results.The essay study on disposal of Zhengzhou branch's non-performing loans, first introduces the basic situation of Zhengzhou branch's non-performing loans. Secondly,introduces the Zhengzhou branch 2015 annual non-performing loan disposal work.Finally the paper introduces the Zhengzhou branch of the year 2015 the disposal of bad loans in the problem: one is to work the disposal of bad loans do not pay enough attention, reflected in the assessment of risk is not enough, the risk signal processing loan sensitivity is not accurate, the disposal of attitude and property investigation is not clear; the two is the measure of the disposal of non-performing loans poor, single,reflected in the disposal means of market-oriented means using the insufficiency,reorganization means has not been fully used, progress of litigation settlement is slow;the three is the risk has not been substantial resolve, reflected in non-performing loansto generate reason has not been lifted, cash collection rate is low, part of the restructuring project has four sequelae: bad loan business and management skills weak, reflected in the professional needs to be improved, the external channel is not smooth, role transformation.Based on the above problems, combined with the disposal of Zhengzhou branch non-performing loans in the future, to further improve the disposal work, to achieve the preservation of assets, debt recovery the essence of target, the Zhengzhou branch to further strengthen the disposal of non-performing loans are proposed: one is to improve the disposal of non-performing loans, the degree of attention, we must first fully understand the non-performing loans harm, then consummate the incentive mechanism, and will focus on truly improve asset quality; two is to enrich and strengthen the disposal measures; three is to strengthen the key aspects of the actual work, especially to increase the cash collection efforts to improve the proportion of low consumption allowance for loan restructuring disposal, at the same time to promote the progress of the resolute action; four is the establishment of project management and centralized collection system, the formation of endogenous efficiency.The research methods used in this essay include comparative analysis, literature research, data demonstration, case evidence, summary and so on. Through the analysis of existing Zhengzhou branch of the disposal of bad loans problem in the analysis of internal and external reasons for the formation of non-performing loans,the advantages and disadvantages of existing measures to dispose of non-performing loans, and puts forward suggestions for improvement.