The Case Study Of Non-performing Loans Disposal In Zhongyuan Bank

In recent years,the domestic financial business has been under strict supervision.Commercial banks operate their own businesses at their own risk.However,due to various historical reasons which commercial banks face,the non-performing loans are still large.Therefore,whether or not we can solve the existing non-performing loans of all the banks in our country is related to the stability and security of the financial industry.With the acceleration of the reform,all commercial banks are constantly going public.Asset quality is a very important indicator of a listed company,and its huge non-performing loans seriously hamper its competitiveness.Non-performing loans are not only an important factor that restricts the profitability and core competitiveness of commercial banks,but also the main cause of the financial crisis.The development of China's commercial banks has also been subject to its containment.Therefore,the causes of the non-performing loans and measures seem very necessary.Based on the author's own internship experience in Zhongyuan Bank and knowledge theory of Finance,Statistics,Macroeconomics that had learned in undergraduate and graduate.what' more,this paper use the combination of theory and practice,combination of empirical and normative and so on,then puts forward corresponding countermeasures by analyzing the stock of non-performing loans of the bank and the reasons,and then helps Zhongyuan Bank to get out of the predicament and achieve the steady operation after the listing of Zhongyuan Bank.This paper first introduces a historical evolution of Zhongyuan Bank non-performing loans and stock changes,followed by analysis of the reasons for the formation of a huge number of non-performing loans from government policies,economic system,corporate credit and so on.Secondly,according to the existing non-performing loans disposal measures of Zhongyuan Bank,including home-use debt collection and the establishment of a special account management system for bad loans,the Bank evaluated the existing disposal of non-performing loans of Zhongyuan Bank.At last,some feasible countermeasures and suggestions are put forward for Zhongyuan Bank to solve the problem of non-performing loans from two aspects of solving existing non-performing loans and preventing new non-performing loans.