Non-Performing Loans Research And Management Governance From The Perspective Of The Capability

Banks are in a core position of the financial industry,have a crucial influence on the development of financial industry.Of course,banks as profit-making companies,credit business is the most important assets of the bank,and non-performing loans management is the key of the development of banks.In recent years,although banks have to strengthen the recognition and management of non-performing loans,and adopt the relevant solutions,but the rise in non-performing loans has not been effectively alleviated.The proportion of total loans and large amount all let people worried.The effective management of non-performing loans,along with the development of the banking industry,exploration of non-performing loans formation reasons and solving strategy,has great realistic significance,which is related to the quality of bank credit assets,the enhancement of bank profitability and core competence,the consolidation of bank management foundation and the realization of bank management goal.It is a key factor for the healthy and steady development of banking industry.Bank of Shangrao,Nanchang branch since set up in Nanchang in July 2010,after more than five years of operation,development gradually and advance steadily,deposit and loan data is considerable.But at the same time,there are overdue loans and non-performing loans increased,the rate of loan interest rates declined.Some borrowers have problems in repay the debt,some borrowers began to default interests.Part of incurred loans have deteriorated,the pressure of non-performing loans is large.In order to improve the bank's risk resistance capacity and profitability,take precautions against and reduce financial risks,ensure the sustainable development of Bank of Shangrao,it is necessary to research the management of non-performing loans.This thesis will analyze the causes of non-performing loans through introduce the current situation of Bank of Shangrao,Nanchang branch,and put forward the solution to realize the normalization and standardization of non-performing loans management.This thesis is based on the research of the theory of non-performing loans,will apply the theory of credit,the theory of financial fragility and the theory of bank behavior,to analyze the causes and management strategies of non-performing loans in Bank of Shangrao,Nanchang branch.This thesis is divided into six parts.In the first part,introduce the background and significance of research,literature review,research methods and ideas of this thesis.In the second part,describe the concepts and theories of non-performing loans management.Systematically summarize the concept and classification of non-performing loans,and discuss the basic theory of non-performing loans management,including the theory of credit,the theory of financial fragility and the theory of bank behavior.In the third part,take the Bank of Shangrao,Nanchang branch as an example,conduct a comprehensive analysis on its non-performing loans.According to the actual cases and investigation results,study the present situation and internal causes of non-performing loans,and the problems existing in the disposal of non-performing loans.In the fourth part,introduce the way to dispose of non-performing loans in foreign banks,through the experience to analyze the enlightenment of the disposal of non-performing loans for Bank of Shangrao.In the fifth part,explore the management of non-performing loans in Bank of Shangrao,Nanchang branch,which has strong pertinence and operability.The sixth part,analyze the research conclusion and research limitations.Summarize this thesis and draw the conclusion of the research on the management of non-performing loans,and analyze the limitations of this thesis.