The Non-performing Loan Problem Research Of A Rural Credit Cooperatives

With the constant advancement of China's market-oriented process and the continuous adjustment of industrial structure,the pressure of the economic ascending is ceaselessly accelerating,the asset quality is incessantly declining,the financial risk is exacerbating,and the banking industry is facing the pressure of double decreasing of non-performing amounts and non-performing loan ratios.In this context,A rural credit cooperative not only face the financial risks of the increasingly rising non-performing loans and disposal pressure and the extrusion of profit margins,but also complete its restructuring into rural commercial bank,and non-performing loan rates and other indicators should meet the regulatory requirements.Therefore,the effective and rapid disposal of non-performing loans is a critical issue that A rural credit cooperative will address at the present stage.As an important financial institution of A county,the gross of deposit and loan of A rural credit cooperative is listed in the first place in all the county's financial institutions,which has played a significant role in promoting the county's rural financial development.However,a large number of non-performing loans have been accumulated on account of the superimposed impact of improper management of its own legal personality structure,imperfect internal control mechanism,the constraints of human resources level,external intervention,and the specificity of service object.However,in the actual disposal process,the existing disposal measures are lack of marketization and innovation,so there are problems of low reimbursement rate,long recovery period,high pressure of increase in capital and share.And in the aspect of self-disposal management,there are also problems of extensive management,formalistic responsibility and accountability,and unreasonable allocation of human resources,coupled with the constraints of external conditions,and it will add difficulty up to the non-performing loans disposal work,so that the disposal ratio and efficiency of non-performing loans is lower.The following countermeasures and suggestions for A rural credit cooperative will be listed on the basis of the problems encountered in the disposal of the actual non-performing loans,combined with the need of disposal work of A rural creditcooperative and the requirement of restructuring into rural commercial bank,improving improve disposal rate and disposal efficiency of non-performing loans,to achieve the objective of recovering non-performing loans and asset preservation.Firstly,A rural credit cooperative should pay attention to the management of non-performing loans,change the management philosophy of non-performing loans disposal,and strengthen the team building work of non-performing loan management;Secondly,the informatization and internal control mechanism construction should be consummated,and the risk control mechanism should be strengthened;Thirdly,the innovation of the disposal measures of non-performing loans should be focused on,and to change the traditional profit model;Fourthly,the non-performing loans incentive and restraint mechanisms should be intensified,and to increase rewards and punishments,to prevent moral hazard,and to reinforce the clearance of non-performing loans;Fifthly,Local government support should be gotten,and to enhance the coordination with government departments,to maintain a good external environment relying on the government,and to achieve the active disposal of non-performing loans through policy guidance.