Research On The Causes And Countermeasures Of The Non-performing Loans Of The Bank Of China ZB Branch

In recent years,our country attaches great importance to the development of Small and medium-sized enterprises.The Party Central Committee and the State Council issued many policies requiring commercial banks to strengthen financial services to SMEs.In addition,the Ministry of finance loosen the writing off requirements of SME and agricultural loans in terms of fiscal policies,so that the commercial bank can speed up handling non-performing loans.Governments at all levels of Shandong province have been introducing guarantee and risk compensation policies to encourage greater financial support for SMEs.The CBRC has also introduced a series of policies to strengthen financial services to SMEs,declaring that in current economic SMEs should be supported with sustained credit.But affected by the complicated domestic and international economic situation,the problem of operating pressure,rising costs,financing difficulties faced by SMEs become more prominent.The guarantee circle between the small and medium-sized enterprises increase the difficulty of risk management,resulting a higher non-performing rate than that of other loans.In this paper,the author firstly describes the types of commercial bank credit assets and the related factors.Then discussing the macroeconomic and credit business situation of ZB branch.And through the accumulated historical data analysis,the distributions of non-performing loans in industry,institutions,amounts,and guarantee are adopted.In the next place,this paper adopts the combination of theory and practice,analyzing the causes of non-performing loans.Comparing the distribution of the non-performing loans,the author mainly focus on the analysis of economic downturn,poor inner management,understaffed situation,unreasonable credit plan,standard of liability determination of non-performing loans and too much emphasis on guarantee.Finally,through the analysis of the causes of non-performing loans,in the future business development we should strengthen the forward-looking selection and support,sound differentiated management requirementst training mechanism,appropriate improving indicator standard of liability determination and the first source of repayment.At the same time,it also puts forward the corresponding measures to resolve the bad loans.