Research On The Countermeasures For The Prevention And Control Of Non-performing Loans In Yichun Branch Of Postal Savings Bank Of China Under The New Normal State

Non-performing loans are often used by commercial banks as an important measure of their operating performance and asset quality.As one of the three carriages of China's financial system,the proliferation of non-performing loans will bring a certain degree of adverse effects to the economy.However,in recent years,China's macroeconomic growth rate has slowed down,resulting in a high rate of non-performing loans and non-performing loans of commercial banks in China.Although major banks have stepped up efforts to actively prevent and control non-performing loans,but its effect has not yet been shown,according to the latest data from the China banking regulatory commission in the third quarter of 2017 non-performing loan balance and non-performing loan rate is still showing a high trend.In June 2017,the balance of non-performing loans reached149.9 billion yuan,and the non-performing loan rate reached 1.76 %.Therefore,the analysis of the causes and prevention and control of non-performing loans of commercial banks can be of great practical significance for commercial banks,especially for grass-roots commercial banks.Based on this,Yichun branch of postal savings bank of China as the research object,through the collection of Yichun branch of postal savings bank of China of statistics,and the data were comparable,analysis of the characteristics of the basic situation of Yichun branch of postal savings bank of China of non-performing loans and major adverse loan customers and the main branch under the jurisdiction of bad loans;and combined with Yichun branch of postal savings bank of China side the loan case,analyzing the deep-seated causes of non-performing loans generated,and finally puts forward the effective ways and measures of prevention and control of non-performing loans of the bank.The research is helpful to reduce the financial risk of Yichun branch of postal savings bank of China,and the relevant countermeasures will provide a reference for the postal savings bank to formulate policies to control the proliferation of non-performing loans.