Study On The Disposal Methods Of Non-performing Assets Of Urban Commercial Banks In Wuhai Area

The problem of non-performing assets is not only related to the stability of the financial system,but also affects the social stability and the development of the national economy.Under the current economic situation,the problem of non-performing assets is a common problem in the global banking industry.At present,China’s banking industry is also faced with the problem of high proportion of non-performing assets and difficult disposal of non-performing assets.In the process of Sustainable Banking,banks need to face and solve the problem of non-performing assets.If the bank carries a heavy burden of non-performing assets,the bank’s credit ability and enthusiasm will be greatly restricted.City Commercial Bank is an important part of China’s banking financial institutions,in the years of development history in China to promote the regional economy development,so how to strengthen the management of non-performing assets ability of city commercial banks,improve the efficiency of the disposal of non-performing assets,but also the city commercial bank need to solve the problem.Based on the background of small industrial city of W city in the West of China,the disposal of the case of W city urban commercial non-performing assets,to city commercial banks in the city of W,widen the road in the disposal of non-performing assets,non-performing assets problem to find better ways to solve the city of W City commercial bank.This essay mainly studies W city commercial bank non-performing assets disposal mode.Taking the disposal of non-performing assets of urban commercial banks as the starting point,this paper expounds the theoretical basis of disposing non-performing assets of urban commercial banks.In the foreign non-performing assets disposal mode,the American model,the Japanese model and the British model are analyzed.In the mode of disposal of non-performing assets in China,focuses on the cash collection,disposal of collateral,litigation(Arbitration)compensation,bankruptcy liquidation,debt restructuring,debt Write offs,risk,agency,sale of assets securitization,and disposal.Through the study of domestic and foreign commercial banks non-performing assets disposal methods,comparative analysis of China’s urban commercial banks in the disposal of non-performing assets can learn from the experience.This paper analyzes the operation condition of bank of Inner Mongolia W Branch and the causes of bad assets formation and the choice of bad disposal mode.Finally,it analyzes the basic situation,cause analysis and the experience that W city commercial bank can deal with in bad assets.