Analysis Of Branch L's Non-performing Loan Disposal Of China Construction Bank

Credit asset quality is the perpetual topic of commercial banks.After the banking industry in China restructuring and listing,the rate of non-performing loans dropped from a high point to a low point.However,with the slowdown in economic growth in recent years,the non-performing loans of the Chinese banking industry have a recurring trend,showing many new characteristics such as a wide range of bad exposures,mass outbreaks,group exposures and strong contagion.Therefore,how to deal with non-performing loans better and improve the efficiency of non-performing loans has become a major issue for all commercial banks.Because the quality of assets has become an important symbol and measure of "good bank" and "bad bank".If the safety of bank assets is built on two "ports," risk management is the "entry point" for controlling the bank's assets,while the proper disposal of non-performing loans is "export".In order to make the assets in a long-term stable state,paying attention to "the export side " is very important.This is because the non-performing loans exposure is a "big probability" incident that can not be avoided and go hand in hand with credit management.The key issue is how to identify it in time and deal with it effectively to minimize the losses.To study the disposal of non-performing loans needs to select a suitable research object.As one of the top five state-owned commercial banks,China Construction Bank has been in a leading position in the banking industry with comparative advantages in credit management and has accumulated enough experience in the disposal of non-performing loans.At the same time,L branch,as a secondary branch with low non-performing loans ratio in the province,has strong disposal capacity.Therefore,taking CCB's L branch as a research object has a stronger realistic reference value on how to improve the disposal of non-performing loans for grassroots commercial banks.Based on the overall situation of non-performing loans of commercial banks in our country,this paper takes L branch of China Construction Bank as an example.After comprehensively introducing the status of non-performing loans of this branch and its causes,this paper analyzes the disposal effect of non-performing loans combined with its disposal means.In addition,this paper summed up the L branch in its non-performingloans disposal problems and reasons.Finally,based on the problem of disposal of non-performing loans of L branch,this paper puts forward some operational and feasible countermeasures.