Research On Optimized Disposition Of Rural Commercial Banks' Physical Mortgage Non-performing Asset

Starting from 2010,the growth of China's GDP has been dropping continuously.Non-performing loan and non-performing loan ratio go up together as the economy goes down.With the downturn of macro economy,the problem of rising non-performing loan ratio has embodied.The central government brought out“strengthening supply-side structural reform" for the first time in November,2015.The state-owned enterprises,central enterprises,middle and small-sized enterprises carry out supply-side reform one after another,promote capacity optimization and reorganization,lower cost,keep competitive edge,and provide high quality products to serve the demanders with changing demand.The transformation of commercial bank has been extremely urgent.The bank's disposal capacity of non-performing asset has become the key factor that influences the core competence of the bank.How to solve the problem of the bank's non-performing loan is also the priority among priorities.At present,most of the bank loans are secured by collateral,and physical mortgage loan service is regarded as the credit variety with low risk and stable profit by the bank.The facts also prove that its risk is far less than other loan varieties,but non-performing loan in mortgage loan service starts to increase in recent years,and implies huge potential risk.The disposal problem of physical mortgage non-performing asset has become the urgent affair for the bank industry to solve.On the basis of analyzing relevant theory of the disposition of non-performing asset of our country's commercial bank,the article divides non-performing assets into non-performing loans,equity class non-performing assets and physical mortgage non-performing assets according to different carriers that non-performing assets depend on.While in the classification of non-performing assets,physical mortgage non-performing assets take up a large percentage.So the article takes physical mortgage non-performing asset as the research object,by field research,chooses the case of disposition of XX bank's physical mortgage non-performing asset,starts from the current disposal situation of XX bank's physical mortgage non-performing asset,on the basis of existing disposal theory and method,analyzes the disposal mode and process of XX bank's physical mortgage non-performing asset,explains the problems encountered in the process of disposing physical mortgage non-performing asset from the aspects of external environment problem that limits the disposition of the bank's non-performing asset and the most to be built internal capability that solves adverse disposal.Meanwhile,aiming at the difficulty and prominent problem that exist in the process of XX bank's disposal-management,mainly presents relevant suggestions from the following three aspects:seeks cooperation with relevant departments and organizations of the government,does the disposal work of non-performing asset well inside the bank,and innovates disposal way of physical mortgage non-performing asset,so as to provide reference for commercial bank on the aspect of adverse disposal.