Study On The Management Of Non-performing Loans Of Small And Micro Enterprises In Rural Commercial Bank Under The New Normal

The current world economic development trend of integration,after Chinese economy has entered a new norm,the development situation of domestic and foreign financial industry production changes,banks in the financial security has played a key role in the bank branches execution also pose major challenges.At the same time,China's commercial banks in recent years has entered a stage of rapid development,all kinds of private commercial banks as banks continue to produce like bamboo shoots after a spring rain,Yetai a diversified distribution pattern,and the bank's internal business was also the development trend of homogenization,so that the banking industry competition is becoming more and more intense.Under the double pressure of the new normal and competition,the major banks to pay more attention to innovative ways of profit,but also directly affect the commercial banks of small and micro enterprise credit business.Since its inception,N bank's total behavior to deal with the new financial situation,is constantly exploring new small and micro enterprises non-performing loan system to guide employees to adapt to the transformation of the overall financial environment.However,from the information symmetry theory,as well as the reality of China's financial sector,N bank's small and micro enterprise credit business there are still many problems,the non-performing loan ratio of the business also showed an upward trend year by year.The main reason of N bank Small and micro businesses non-performing loans generated can be divided into two parts,the external reasons including legal,administrative and economic system and other aspects,the internal causes include the reasons for the lack of risk consciousness of ownership and management business policy deviation,chaos,loan approval system is backward,the audit is not strict,so the lack of credit capacity the.This paper is based on the actual situation of N bank,through the information theory of modern financial industry combing,and reference to the international bank Small and micro businesses credit business advanced experience,analyze the existing problems in Small and micro businesses management of non-performing loans of N bank,and through the analysis of the phenomenon of quality,to improve these deficiencies put forward five specific suggestions.First,improve the bank's internal Small and micro businesses credit organizational efficiency,operation risk prevention;second,according to the new economic norm and the actual situation of Small and micro businesses,to adjust the traditional bank credit business objectives,the actual more in line with the Small and micro businesses credit business requirements;third,to set up credit the system Small and micro businesses own characteristics;fourth,the flexible use of the disposal of non-performing loans of financial instruments,such as debt restructuring,debt and bad assets;fifth,but also attaches great importance to improve the incentive mechanism of credit personnel,through the establishment of a balanced scorecard assessment committee,internal business communication channels and reasonable analysis of the initial evaluation of customer resources and establish a sound credit access exit mechanism.