Research On Management And Control Of Non-performing Loans For L Bank

The constant rise of the non-performing loan ratio has posed a great challenge to the crisis management ability of commercial banks.L Bank is the department directly under a commercial bank.The overall situation of the non-performing loan used to be good,and the non-performing loan ratio is still under control within the limits of China Banking Regulatory each year.From2014,the non-performing loans amounts of the small and micro enterprises of L bank are increased,and the ratio of non-performing loan shows a clear upward trend.It has done a great harm to the healthy development of the bank.Some part of the stock of non-performing loans and overdue loans can not solute effectively,because of the problems in the management and disposal of non-performing loans.This thesis researched the management and control of non-performing loans of the small and micro enterprises of L bank based on a large of research and practice.And according to the status of non-performing loans of L Bank,the thesis analyzed the management status and pointed the current internal management problems: risk control mechanism is not perfect,the slow pace of recovery and disposal,imperfect mechanism of management system,lack of rewards and punishment,personnel and the quality can't fulfill the requirements.This thesis also analysis the causes of these problems,combined with the concepts and experiences of the foreign and national banks in the disposal of non-performing loans,which provide reference for the management research.Finally,the thesis provide five solutions to non-performing loans management and control: improve the mechanism of risk control,innovation mechanism,enhance the application of IT technology,perfect the incentive examination system and strengthen staff training,improve the measures of the disposal of non-performing loans.In short,the thesis gives the suggestions and advices on the development of non-performing loan management and control of the bank,strive to make the bank develop in a healthy and orderly way,and to provide effective recovery guarantee mechanism for the small and micro enterprises loanbusiness in L Bank.