Research Of Npl Control For China Postal Savings Bank XC Branch

Banks are one of the important channels to support national economic development.The main task is to absorb deposits and lend money.In recent years,because of the low speed of economic development and fierce market competition,the development of many real economy is in a very slow stage,so it is easy to bring out loans in time and produce bad loans.Therefore,this paper takes the control of the XC branch of the Bank of postal savings bank as the research object,and introduces the updated measures and policies to improve the loan recovery and further reduce the bad loan rate.Using the methods of literature resources,statistical analysis and quantitative qualitative analysis,this paper analyzes the current situation of the XC branch of the postal savings bank,sums up the general situation,scale,industry and types of the non-performing loans,analyzes the problems of the non-performing loans,including the difficulties in the implementation of the law,and the bank collectors.The paragraph is too single,the ability of sustained release credit risk is very weak,and then the key reasons for these problems are summarized and analyzed,including the two aspects of the internal and external aspects,which are the worsening of the financial environment,causing the bank to borrow serious loans and the frequent occurrence of the guarantee cases,resulting in the deterioration of the entity enterprise's credit environment.The development of the industry has led to the failure of the bank to collect the accounts in time.The adjustment of industry policies caused the serious overdue of enterprise loans.These will result in the rise of the non-performing loans of the XC branch of the postal savings bank,which causes the banks to be unable to operate well.This paper describes the control and management measures of non-performing loans in the bank.The first is to strengthen the source of the loan,that is,to improve the prevention and control and collection measures of the real economic enterprises,to improve the loan risk assessment ability of the XC branch of the postal savings bank,to dynamically determine the moderate risk preference of each enterprise,and to strengthen the risk identification ability of the non-performing loans.More timely judgment of non-performing loans by enterprises,through improving the risk control ability of government enterprises and units in the whole process of loans.In order to carry out the above normal,this paper gives a detailed policy from the organizational structure,the loan risk control system,the human resources team and the training and education,and further improves the execution of the non-performing loan control of the XC branch of the postal savings bank to ensure the normal use of the XC branch.