Research On Non-performing Loans Of State-controlled Commercial Banks

Stable financial system is not only the necessary condition to promote economic development,but also an important guarantee to prevent and resist financial risks,and the stability of the banking system has always been the core part of the stability of the financial system.The banking industry has been growing since reform and open up compared with securities industry and insurance industry,the rapid growth of its volume and development make it occupy an important position in China's financial industry,the special background and strong strength of state-owned commercial banks make it become the main force of the banking industry,so the property quality,risks and development of the state-owned commercial banks relate to the security and development of financial system and even economy of our country.To some extent,the financial crisis in 2008 slowed down the economic development of our country and shocked the previous economic structure.However,macroeconomic policies have also brought some hidden dangers while promoting economic growth.In the background that the economy of China has been into the new normal and promote the supply side reform vigorously,the hidden dangers gradually revealed and transmitted to the banking industry,which assume the increase in non-performing loans and non-performing loan ratio of the commercial banks,which is the result of the gradual release of “the three superimposed” risk.It includes not only the short cycle of economic downtrend and long cycle of economic growth shift,but also the transformation of economic development mode,the adjustment and upgrading of economic structure,the elimination of excess capacity and the management of commercial banks factors.With the deepening combination of industry and finance in our country,the non-performing assets risk of commercial banks will not only be limited to their own internal,but also be transmitted to non bank financial institutions and enterprises gradually,this vicious cycle will increase the risk of the financial system.On the distribution of non-performing loans of the banking industry,the non-performing loan of state holding commercial banks accounted for most of the total non-performing loans,so the key to resolve and prevent the non-performing loans in the banking industry is the state holding commercial banks.In this paper,through the study of the current situation,causes and influencing factors of non-performing loans of state holding commercial banks.Finally,the paper puts forward some countermeasures and suggestions in perfecting the relevant legal system and credit system,leveraging the supply side reform,promoting the debt and asset securitization,strengthening internal risk control and so on.