Study On The Factors Influencing The Non-performing Loans Of Commercial Banks In China And The Countermeasures

The bank said bad loans or non-performing financial assets,has been plagued by the development of countries around the world commercial banks common problem is one of the most important factors affecting the countries of the sustained and healthy development of commercial banks.Many countries and regions also have occurred due to bad loans,the financial deterioration in asset quality caused by the financial crisis,and even evolve into an economic crisis,thereby affecting the stability of the country's political situation and even regime change.At present,China's commercial banks non-performing loan formed either from the scale or the growth trend has the same problems in the breadth and depth is still spreading,xenophobic thoughts rise,affected by the trade protectionism and the external economic environment factors,the world economic environment downturn,international trade barriers has a direct impact on all walks of life.China's banking industry is also facing the unprecedented difficulties and challenges.The economic downturn,the business climate index downturn,bank non-performing assets concentrated outbreak,a large number of non-performing loans in turn seriously affects the normal operation of the economy.Since the eighteenth session of the Communist Party of China,the Chinese government authorities have look far ahead from a high plane,attracted enough attention,so that our commercial bank non-performing loans eased to a certain extent,but more than two dimension,from the total amount of non-performing loans and non-performing loans accounted for alarming figures,the situation is grim,if no drastic measures and comprehensive treatment plan,very difficult to reverse the passi've situation in real life.The bank's assets status not only affect individual and enterprise management,the financial industry and economy and Has a more important significance.How to correctly solve the stability of the country as soon as possible non-performing loans of commercial banks in China,to improve China's commercial banks operating conditions,to further improve the ability of our commercial bank risk,enhance the core competitiveness of the banking industry,to promote China's financial market and system of comprehensive deepening reform,prevention system risk,ensure the stable development of China's financial industry,and ultimately to improve and perfect the financial system of our country's progress,has strategic significance particularly outstanding.Firstly,the purpose and significance of this thesis,the non-performing loan background and the research of analysis and discussion are expounded the theory of non-performing loans of commercial banks from the essential causes of bad loans,non-performing loans for the following chapters and provide a theoretical basis for analysis of the causes of formation and related strategies.Again,to conduct a comprehensive analysis of the data and theory combined with the status quo of China's commercial banks non-performing loans in recent years of existence,theoretical analysis from the micro causes of the macroeconomic environment and the bank itself,the Agricultural Bank of China Shandong branch of a branch of non-performing enterprises as an example,to analyze the nature of enterprises,loans,triggered by letter the causes and solutions,then makes empirical analysis on the impact factors of bad loans in China's commercial banks.Through the analysis of the influencing factors and causes of non-performing loans of China's commercial banks,and to explore management strategies to solve,on the issue of non-performing loans put forward more reasonable proposals.