Research On The Disposal Methods Of Bad Credit Assets Of State-owned Commercial Banks

With the economy falling,GDP growth continues to fall,and the financial risk rising gradually,it is normal that the commercial bank's bad loans rising rapidly.This economic environment has brought more pressure to the bank's profitability and management.The ICBC Inner Mongolia branch's quality of credit assets deteriorated constantly.Debt crisis has starting from the real economy and folk lending to the banking conduction,credit risk control faces a severe test.In the fight of credit deterioration,strengthen risk of slow release,at the same time,it is extremely urgent to collect non-performing loans.But from the non-performing loan status,it will be a long time to finish the collection work of non-performing loans.In this paper,by comparing the traditional disposal methods,the current disposal methods,and combined with the latest innovation disposal methods,the author analysis and research some new methods ?innovation ways and treatment of channels,in order to solve practical economy problems for the banks and enterprises.