Study On The Non-performing Assets Disposal In Bank Of Zhengzhou

Our banking is always facing the problem of non-performing assets.With the development of market economy and the adjustment of economic structure,the rate of Chinese economic growth began to fall;Chinese economy has entered a new development stage.In this new situation,China's banking started to show the trend of slowdown in growth and increase in credit risk,which have affected the quality of China's banking assets.City commercial banks,which are integral to Chinese banking system,are playing an important role on the development of regional economy and financial services.Bank of Zhengzhou as the important part of the city commercial banks in Henan Province,its amount of non-performing loans and non-performing loan ratios are also showing an upward trend,which is against to the healthy development of the bank itself and the regional economy.In recent years,the strength of Bank of Zhengzhou has been improved,but there are still some problems,such as the slowdown in asset growth,low risk resilience and limited products.Moreover,its non-performing assets is characterized by the increase of scale,the regional and industrial concentration,due to the economic environment,local government,legal environment,the bank itself and the borrowers and other factors.Bank of Zhengzhou currently disposes the non-performing assets by legally collection,assets reorganization,bad debts verification or package selling.In the processes of disposal,there are some problems,such as the mere formality of internal control,the single ways of disposal,and the lack of talents,which have become hindrances to the disposal.According to the disposal of non-performing assets of Bank of Zhengzhou,for strengthening the disposal of non-performing assets,we should change the management ideas,understanding the value of non-performing assets correctly,classify the non-performing assets to improve the efficiency of disposal;secondly,innovate bad asset disposal methods,play the active role of the market,and then cooperate with financial Asset Management Co.trust companies and other financial institutions actively to enrich the non-performing assets disposal channels;thirdly,interact with local governments closely,cooperate with localeconomic construction actively and maintain a good external environment;lastly,pay more attention to the professional team building.Besides,we should strengthen the system construction,control the scale of new non-performing assets to improve the quality of assets.