Research On The Causes And Countermeasures Of Non-Performing Assets In Zaozhuang Rural Commercial Bank

With the continuous development of the financial industry,the non-performing asset ratio of commercial banks in our country shows a declining trend.However,as the rural commercial banks,which are the mainstay of rural financial institutions,turn into joint-stock commercial banks,the non-performing asset ratio and the non-the trend of.During the process of restructuring,Zaozhuang Rural Commercial Bank disposed of a large number of non-performing assets through diversified channels,re-absorbed new capital such as social capital and corporate capital,intensified the collection and divestment of non-performing assets,and provided a substantial capital adequacy ratio Enhance.However,Zaozhuang Rural Commercial Bank's history of debt problems are still not fully resolved,capital adequacy ratio and large commercial banks are still relatively low,the operating mechanism needs further conversion.In 2017,the carrying value of non-performing assets of Zaozhuang Rural Commercial Bank was RMB132 million,the realized rate of non-performing assets was 0.56%,the non-performing assets newly increased by RMB45 million over the same period,the non-performing assets of the whole bank remained large and the task of eliminating non-performing assets remained arduous Therefore,it is of great importance to deal with the non-performing assets of Zaozhuang Rural Commercial Bank quickly.Guided by the theory of credit,the theory of financial fragility and the theory of bank behavior,this paper comprehensively analyzes the current status of non-performing assets of Zaozhuang Rural Commercial Bank,and concludes that the non-performing assets of Zaozhuang Rural Commercial Bank decreased by 8.3 billion yuan from 1.896 billion yuan in 2008,The proportion of non-performing loans dropped from 13.95%in 2007 to 1.27%in 2017;branches and sub-branches in different regions have different proportions of non-performing assets.The branches of the municipal branches,Zhenxing Branch,Tancheng Branch,Shanting Branch and Xuecheng Sub-branches and other areas with relatively high levels of economic development have relatively small non-performing assets and a relatively low ratio;different guarantee types have different probabilities of generating non-performing assets.Then use Logistic model to construct different index systems from the perspective of loans and farmers,and analyze the impact of each index on non-performing assets.Empirical analysis shows that the profitability factor,loan feature factor,short-term solvency factor,Industry factors have a significant impact on non-performing assets,and the fitting effect of the model is good,the overall accuracy rate reached 86.4%,the accurate identification rate of normal enterprises reached 89.47%.Draw eight indicators of the head of household age,head occupation,family income level,the proportion of deposit amount to income,the scale of household assets of farmers,farmer's debt and external guarantees,whether there are non-performing loan records,loan lines and other indicators of non-performing loans The production has a significant impact.Finally,from the perspectives of banks,lenders and the government,some countermeasures and suggestions are put forward to reduce the bank's non-performing assets.This study attempts to apply the relevant theories to the disposal of non-performing assets in Zaozhuang City,and provides a brand-new perspective for solving new and emerging contradictions of non-performing assets.It provides a new method,new thinking and pertinence for further exploring and solving non-performing assets The formulation of ways and means of disposition of non-performing assets,and the planning of scientific non-performing asset disposal plans are not only of great value to Zaozhuang Rural Commercial Bank in disposing of non-performing assets,but also of great significance to the solution of non-performing assets in other regions.