The Research Of Non-performing Assets Disposal In Chinese Commercial Banks

In February 12,2017,the main regulatory indicators of commercial banks issued 2016 annual list of China Banking Regulatory Commission showed that as of the end of 2016,commercial banks non-performing assets ratio rose to 1.74%,upping 0.07 percentage points over the previous year;non-performing assets amounted to 1,510 billion yuan,which increased over the previous year 18.9%.This means that since the fourth quarter of 2011,the amount of non-performing assets had increased by 21 quarters,the non-performing assets ratio had increased by 20 quarters,only fell 0.01 percentage points in the fourth quarter of 2016.With the adjustment of economic structure,deleveraging,credit default showing normalization,non-performing assets of commercial banks will continue to bear greater pressure in 2017.A series of data shows that increasingly difficult to slow the decline of the market of China's banking asset quality concerns.Therefore,the stock of China's commercial banks in the future business development process not only to conduct a comprehensive treatment of non-performing loans,but also effectively prevent the increment of non-performing loans,which will we need to focus on solving the problem.The purpose of this paper is to study the disposal of non-performing loans in the analysis model,hope to innovate the traditional model based on the theoretical basis,to deal with non-performing loans tamp,and hope to put forward some suggestions for the non-performing loan processing method of China's state-owned commercial banks and joint-stock commercial banks,the financial services infrastructure.The first chapter mainly introduces the research background and significance of the research,on the basis of previous literature,make an overall appraisal.Then,explains the research method and gives the technology roadmap,proposes the innovation of this paper;the second chapter introduces the theoretical basis of related,first of non-performing loans are defined.Then this article expatiates on the disposal methods of commercial banks in China;the third chapter introduces the current situation of non-performing loans of commercial banks in China,and from the macro and micro level of non-performing loans to do a systematic research;the fourth chapter through the research on the status quo and the causes of the non-performing loans of commercial banks in China before,put forward supporting the corresponding measures from the two aspects of internal and external;the fifth chapter taking QY bank as a typical case,first introduces the characteristics of QY bank,then explains the current situation of non-performing loans of QY bank and the present Finally,through two typical cases of non-performing loans of QY Bank of QY bank,experience and lessons in the disposal of non-performing loans is obtained;the last chapter draws the conclusion of our country commercial bank bad loan disposal is discussed.This paper focus on the research method,using case analysis method,QY bank based on practical experience and practical effect,to provide theoretical support and practical implications for other researchers to further study of bad loans in China's commercial banks and other small financial institutions disposal.