Research On Non-performing Loans In Hunan Xingsha Rural Commercial Bank

The problem of non-performing loan loans has always been a common problem faced by commercial banks in various countries,and has become a major obstacle to the steady and healthy development of commercial banks in various countries.In recent years,with the transformation of China's economic structure and the impact of the international financial crisis,the non-performing loan ratio of commercial banks has surged from 0.9%in 2011 to 1.74%in 2017,which is close to the 2%warning line established by the China Banking Regulatory Commission..As one of the pillars of the rural financial institution system,rural commercial banks always rank above the major commercial banks in China.If the problem of non-performing loans continues to rise,it will have a serious negative impact on its operations and even affect rural finance.Service system support.Therefore,the research on the non-performing loans of rural commercial banks has very important theoretical and practical significance.In this paper,Hunan Xingsha Rural Commercial Bank is selected as the research object.Firstly,it visits 12 outlets in Xingsha Rural Commercial Bank to conduct on-site visits,and 60 survey questionnaires are sent out to the responsible persons of its outlets and employees of credit positions.The Shannon Commercial Bank collected relevant information on non-performing loans and the collected questionnaires,and proposed the problems of the non-performing loans of Xingsha Nongshang Commercial Bank.Finally,through questionnaire analysis,literature review,and Beijing Rural Commercial Bank's experience,reference was made to refer to suggestions for existing problems.In the study,the following four major issues of Xingsha Rural Commercial Bank of Hunan Province were proposed:First,the quality of employees in credit posts.First of all,the low recruitment threshold results in fewer highly educated employees and an aging job structure.Secondly,the professional knowledge of credit staff is not strong enough,and the bank has not built an internal training system in line with its actual situation.The professional quality,professional ethics and sense of responsibility of employees have become potential risks.Second,imperfect internal control system.A centralized credit approval system and a systematic credit rating system have not been established.The credit decision-making mechanism is not reasonable enough;The investigation and examination before,during and after loan are not strict;The lack of responsibility implementation after the formation of non-performing loans is the deficiency in the internal credit work of xinshannong commercial bank at present.Third,the concentration of agricultural loans is too high.Affected by objective factors,agricultural risks cannot be controlled artificially.Once agricultural loan concentration increases,uncontrollable credit risks will increase.Fourth,the disposal method of non-performing loans is not flexible,and the rigid and single disposal method of non-performing loans leads to the rising operational risk of xinshannong commercial bank.Then,through questionnaire analysis and the experience of Beijing agricultural and commercial bank,the author puts forward some Suggestions for the existing problems:First,improving the credit management system,strengthening the "three checks"on loans,and implementing the "lifelong responsibility system" for credit workers can reduce the generation of non-performing loans from the management loopholes.Second,the transformation of recruitment,employment model and improvement of staff quality training are the first key to resist credit risks.Third,the adjustment of the credit orientation,guarantee and maturity structure is the key point that xinshannong commercial bank needs to pay attention to in loan issuance.Fourth,the application of bad assets securitization and "Internet+" mode is a more appropriate method for the disposal of bad assets of xingshannong commercial bank.