Research On The Disposal Of Corporate Non-Performing Loans Of A Bank N Branch

In recent years the increasingly serious problem of non-performing loans,to some extent hindered the development of China’s financial sector and deepen the reform,through other Banks at home and abroad for reference,the advanced method of disposal of non-performing loans and the successful experience,follow the principle of specific issues specific analysis,combined with the conditions of bank non-performing loans early treatment and adjust measures to local conditions to take appropriate way of non-performing loans,efforts to improve the recovery rate and realization of bad loans has certain theoretical value and practical guiding significance.A bank N branch is one of the state-owned commercial Banks in China,since 2014,influenced by macroeconomic credit risk concentration,non-performing loan ratio especially legal high non-performing loans rate,N branches more measures and for the disposal of non-performing loans,through A variety of the traditional pattern of non-performing loans to A certain extent,achieved results,but can N branch has sought to achieve business value maximization of non-performing assets disposition.Based on the relevant basic theory,this paper studies the disposal methods of corporate non-performing loans in N branch of A bank.First of all,the related theories of non-performing loans are expounded.Then,it introduces the current situation,characteristics and disposal of corporate non-performing loans of A bank N branch,as well as the existing problems and causes analysis.Then,taking M group as an example,it introduces the successful cases of loan restructuring,and finally puts forward specific measures to improve the effectiveness of A bank N Branch corporate non-performing loan disposal.