Research On The Causes And Disposal Methods Of Non-performing Assets Of Agricultural Bank Of China

Throughout most of the current economic situation,our country,in the period of economic growth is slowing economy downward pressure increase,and even into the bottleneck of economic development.In recent years is China's economy from recession to the next stage of evolution stage.Since 2013,China's economy began to feel more and more pressure.For overall judgment of the situation,the party central committee in 2014 three sentences is worth our serious consideration and understand,is to "shift" period of economic growth,economic structure adjustment of the effects of the stimulus and the "throes" "digest" period "three phase superposition".The so-called economic growth phase shift is a enters a period of slow down economic growth,the state structure adjustment need to put the past and correct the development mode of structure defects.Previous stimulus "digest" period is worth to digest earlier stimulus caused by large amounts of debt,on the one hand,China's economy in recent years the rapid growth of contradictions accumulate together,especially in serious debt problems;On the other hand,China's economy to a previous rapid growth of the pension debt,debt for tell economic development at the expense of environment,and so on.Gather together that makes all the contradictions and the situation is a cause for concern.As the trend of the economic downturn,Banks non-performing assets are rising,in this paper,by using a large amount of statistical data,combined with statistical method,case analysis of non-performing assets such as background,research significance,research purpose,research contents,research idea is analyzed,in the current economic slowdown,the economy downward pressure increases,Banks' asset quality decline sharply,Banks non-performing loan balance and non-performing loan ratio dual litres of background,this paper expounds the meaning and purpose of this study.Introduces the definition of non-performing assets of Banks,the agricultural bank of agricultural bank of bad assets,credit assets risk classification standards,classification of agricultural bank of bad assets disposal principle and method of bad assets disposal.Through case analysisabout the present situation of non-performing assets by W branch of agricultural bank was analyzed,and introduces the bad assets by W branch of agricultural bank of the size of the structure,the formation reasons and development trend,then analyzes the bad assets to the effects of branch of agricultural bank of W.Subsequent to the agricultural bank of bad assets from the macroscopic Angle,the cause of formation of micro Angle are analyzed in detail,and from two aspects of experience of enterprises,the Banks themselves in detail introduced the forming reason,agricultural bank of bad assets and the factors impact on the agricultural bank of bad assets on quantitative analysis of W branch of agricultural bank,for example through the actual data model,analyzed related relevant economic factors on the influence of non-performing loans.Finally W branch of agricultural bank of the bad assets disposal in case analysis,details the method of disposal of non-performing assets of agricultural bank,including the traditional way of bad assets disposal of non-performing loans cancel after verification and disposal mode of innovation,such as line department cooperation disposal methods,set up free asset management company,etc.,and the bad assets disposal Suggestions and countermeasures.