Research On Non-performing Loan Management Strategy Of A Bank Nanchang Branch

Non-performing loans are a relatively common economic behavior in financial institutions,which is a hindrance to the healthy and orderly development of the economy.It concerns the direct and immediate interests of commercial Banks in each country and directly affects the national financial health and social stability.In recent years,the major Banks have largely standardized lending and credit business,especially the level of risk control,but the effect is not satisfactory.The overall trend of non-performing loans is still rising,and the size and proportion of financial credit is high.Therefore,the importance of non-performing loans is the first in the whole financial industry,and the supervision of non-performing loans has always been in line with the development of the financial industry,especially the banking industry.Therefore,strengthening the supervision of non-performing loans has become the top priority of the bank's work.It is of vital importance to improve the quality level of credit assets and improve the operation efficiency of Banks.In the long run,solve the problem of non-performing loans of Banks,is not only revitalize the bank balance,it is helpful to increase bank profitability and enhance the competitiveness of banking market,to promote the development of banking industry's fast and good.Taking the nanchang branch of bank A as an example,this paper analyzes the problem of non-performing loans in the bank.On the basis of expounding the current situation of the management of non-performing loans,combining with the theory of research results at home and abroad.In terms of research method,using the methods of normative study method and case analysis,dig A bank non-performing loans management problems that exist in the nanchang branch,and analyzes its cause of formation,eventually the above problems puts forward the solving strategy A nanchang branch of bank A non-performing loans.The structure of this paper is divided into six parts: the first part is the introduction.In turn,it is the research background and significance,the research status at home and abroad,the research idea and the research methods.The second part is the theory of non-performing loan management in commercial Banks.This paper introduces the definition and classification of non-performing loans and the formation theory and management theory of non-performing loans in commercial Banks.The third part is the current situation and cause analysis of non-performing loans in bank A's nanchang branch.First expounds the management status of non-performing loans of A bank of nanchang branch,analyzes the problems that exist,and from the Angle of the external and internal two,deeply analyze the cause of bad loans to form.The fourth part is the domestic and foreign commercial Banks bad loan management experience for reference.This paper introduces the successful experience and achievements of the non-performing loan processing in domestic and foreign Banks,and expounds the enlightenment effect of its disposal of non-performing loans.The fifth part is the improvement strategy of bank A's non-performing loan management.Including the implementation of pre-loan due diligence;Second,establish and improve the internal control system;Third,the implementation of comprehensive risk management system construction;Fourth,strengthen the information supervision ability of the loan;Fifth,the implementation of post-loan non-performing loan management and upgrading.Through the above strategic measures,the non-performing loan management of bank A's nanchang branch is effectively and steadily promoted.The sixth part is the conclusion and prospect.