Research On The Management And Control Of Non-performing Loans Of Ordos Rural Commercial Bank

Rural commercial bank is the further evolution of the rural credit cooperatives,is the main force of rural finance,should our country finance policy guidance,the rural commercial bank in support of "agriculture,rural areas and farmers" in the process of the economy and the rapid development of micro,small and medium enterprises,in addition to their own get rapid development,has accumulated some contradictions and problems,the most prominent is the high non-performing loans.Some researchers figuratively compared non-performing loans to the early stage of the rural commercial bank the high-speed development of "tuition",it has restricted the survival and development of rural financial institutions,in many rural commercial bank,this performance is particularly prominent.Visible,in the rural economic structure adjustment and after the financial crisis under the new situation,rural commercial Banks should start from their own,improve the level of credit management,accelerate the dissolve the non-performing loans,improve the service efficiency of credit funds,on the premise of guarantee the steady development,improve bank profitability,in order to long-term development.Based on the historical evolution of the development of the rural commercial bank,the internal and external environment,selecting ordos rural commercial Banks as the research sample,study the cause of bad loans are high,and,in turn,looking for a solution,in an effort to improve the status quo of nonperforming loans remains high.In terms of the content arrangement of the paper,progressive progressive,through the appearance to pursue the cause,and then seek to solve.Development by studying the ordos rural commercial bank,bank of defects and deficiencies in terms of the credit risk control,at present the Banks in the prevention and treatment of bad loans,dissolve the link's efforts and the existing problems and analysis the the reasons for the formation of non-performing loans,finally from the bank itself and the external environment two aspects,it is concluded that the solution,put forward to break ordos rural commercial bank non-performing loans the plight of several countermeasures,for rural commercial Banks and other types of rural small and medium-sized financial institutions to resolve in the process of reform and development of non-performing loans provide methods for reference.