Research On The Legal Mechanism Of Non-performing Loan Disposal Of Commercial Banks

As the non-performing loan ratio of commercial banks rises,it is difficult to handle high non-performing loans.This will affect the normal operating profit of commercial banks,reduce the asset liquidity of commercial banks,hinder the healthy development of China's economy,and greatly reduce the ability of commercial banks to resist risks.The disposal of NPLs in the later stages is difficult to carry out effectively,which has a lot to do with China's improper management,lack of rule of law,and lax enforcement in later stages.In order to solve the difficult problem of non-performing loans of commercial banks and overcome the occurrence of such financial risks,it is necessary to improve the relevant legal system construction and strict enforcement at the later stage.There must be real legal support,law enforcement must be strict,and violations must be investigated.Based on this,this article discusses the causes of commercial banks' non-performing loans,the legal problems that commercial banks face when disposing of non-performing loans,and the problems they face in judicial practice.Find out what kind of guarantees and perfect measures are needed in practice.This paper studies the legal mechanism of dealing with non-performing loans of commercial banks from the legislative system,legal status,legal loopholes and improvement measures.