Research On Disposal Strategy Of Bad Assets For China Minsheng Bank CD Branch

After the financial crisis in 2008,the global economic downturn,China's real economy has also been hit hard,the traditional manufacturing industry is facing a difficult transition.As the economic barometer of the financial sector suffered the biggest asset shortage in history,while the stock of frequent loan risk,non-performing assets index accelerated deterioration of asset quality is a major challenge.In this context,the ability to dispose of non-performing assets of commercial banks has increasingly become an important factor affecting the core competitiveness of banks.Therefore,it is necessary and meaningful to study the strategies of dealing with the business problems and bad assets.This paper is based on traditional bank non-performing loans is a narrow sense of non-performing loans as a starting point,using field research method,case analysis,comparative analysis and other methods,the status quo of non-performing assets of Minsheng Bank CD branch and its causes and disposal measures are studied.Learn from the United States,Japan,Poland and other countries of the disposal of non-performing assets,summed up the experience and lessons,from internal factors,external factors,macro and micro perspective to analyze the causes of non-performing loans of Minsheng Bank CD branch.Conclusion:the non-performing assets of banks on one hand because of its own risk management system is not perfect,the state administrative intervention and other objective factors;on the other hand,the credit risk management,the lack of occupation ethics ignore national,industry and the bank' s internal laws and regulations,or even malicious collusion for personal gain is also causing a lot of bad assets.On the one hand and the overall economic downturn,good social credit system has not been established,the enterprise and individual credit consciousness is not strong,weak supervision,judicial safeguard system is not perfect and other macro environment,on the other hand,with the specific bank internal risk preferences,policy orientation,customer groups,industry concentration,rewards and punishment system etc..The innovation of this paper is the first time put forward the concept of generalized non-performing assets and the narrow sense of non-performing assets,will focus on the definition of class loans as problem loans,into the scope of generalized non-performing assets.The importance,necessity and urgency of the research of problem assets are illustrated through the analysis of specific cases.How to effectively manage the problem assets is an important level to prevent and reduce the occurrence of bad assets,and reduce the rate of transfer of assets is an important link to improve the efficiency of non-performing assets management.In this paper,through the analysis of specific cases,this paper summarizes the effective methods of the problem asset management,and puts forward some specific countermeasures,which provides a new way of thinking for the long way to deal with non-performing assets.