Research On The Causes And Management Countermeasures Of Non-Performing Loans In The Remote Branches Of City Commercial Banks

This paper is divided into five parts.The first part is the introduction.The second and third parts mainly introduce the theory of non-performing loans and the concept of non-performing loans in commercial Banks.The four and five parts mainly analyze the causes and management policies of non-performing loans in different places.The sixth part is the conclusion and prospect.In this paper,the development of commercial Banks in China and the current situation of non-performing loans are introduced through the collection and analysis of relevant data of CBRC.And the background and significance of studying the non-performing loans of urban commercial Banks are expounded.Through the study of domestic and foreign research literature,I have strengthened my understanding of the related knowledge of non-performing loans and urban commercial Banks in different places and introduced the concept of non-performing loans used in this paper.And then,I taked X bank for example,used data statistics,case analysis and interview method to study the city commercial bank different branch in non-performing loans in the operation and development time of concentration and risk of business risk slow-release ability insufficiency,the bank staff is not due diligence and other related issues.And through the analysis of the problems,find out the internal and external reasons of these problems,including macroscopic factors,regional competition pressure,principal-agent problems,system implementation,scale and awareness needs to be significantly improve,etc.On this basis,according to a variety of reasons for bad loans problems,in-depth business transaction process,from three aspects as personnel,system,non-performing loans management,put forward suitable for city commercial bank different branch of non-performing loans management measures,in order to improve the popularity of the present status of the non-performing loans,to further strengthen risk control ability,consolidate the healthy development of different branches.