JY Rural Commercial Bank Credit Asset Quality Research

Credit assets are the main resource of commercial banks for they can bring benefits.The quality of them can directly affect the management efficiency and sustainable development of commercial bank.In a manner of speaking,credit assets are the lifeline of commercial banks.After years of efforts,the quality of credit assets of commercial banks in China has been improved,but the overall quality of credit assets is still not ideal.High non-performing assets have been a great trouble for the normal operation of commercial banks.It has been an important issue for commercial banks to improve the quality of assets through credit management.Since the first half year of 2013,the assets quality of China banks have shown the overall rising of both non-performing loans and non-performing loan ratio due to more uncertainties background in the macro economy;while the increasing of non-performing loan has put rural commercial bank into a severe condition because of its weak financial strength,non-perfect risk prevention system.As a rural commercial bank,Jiyuan Rural Commercial Bank has seen the continuously rising of non-performing loans for 8 quarters since the second quarters of 2014.This thesis made a research on the history and current condition of the quality of credit loans of Jiyuan Rural Commercial Bank based on the last two year's overall economic background.After analyzed it,the problems had been raised.Then,the author combined the real condition of Jiyuan Rural Commercial and the local condition and made a comparison between the same businesses from the following aspects: property right structure,organization structure,core business,business model,credit system,risk control,management ability and personnel training.