A Research On Disposition Of Non-performing Asset For Huanggang Branch Of Agricultural Bank Of China

At present,China is faced with the "new normal" with a downturn of economic growth.Continued downward pressure on the economy increase,the real economic difficulties continue,the banking business environment is severe and complex,non-performing loans increased,the disposal of pressure increases.The increasing non-performing assets have brought great risks to the Banks and worsened the operating environment of enterprises,which is not conducive to economic and social stability.Under the new economic normal,how to dispose the non-performing loans more effectively is an important task in the management of each commercial bank.The rational use of all kinds of bad assets disposal means and effectively reduce toxic assets have a positive impact on the health of the banking industry and the entire national economy.In this economic environment,Huanggang Branch of Agricultural Bank of China also faces the situation of increased non-performing loans,dissolve and disposal pressure.This paper studies the Huanggang Branch of Agricultural Bank of China non-performing loans disposal work.Learn from the experience in the disposal of bad assets at home and abroad,Non-performing assets disposal of related theory and method are introduced,including the definition,classification and significance of the non-performing assets,the principle of bad assets disposal and procedures.Introduces the major means of disposal of non-performing assets of commercial bank.Then take Huanggang Branch of Agricultural Bank of China as an example,introduced the current situation and analyzes their causes.Finally,tailor a set of bad assets disposal model for Huanggang Branch of Agricultural Bank of China from three levels.First,develop prevention measures before granting loans.To improve the overall thinking and understanding,organize a professional loan management team,improve the system of the loan,disperse the loan risk,to do a good job of investigation and review before granting loans.Second,strengthen post-loan management and tracking detection of lending.Last,optimization of bad assets disposal mode.Strengthen Traditional loan recovery methods,such as litigation recovery,direct collection,loan cancel after verification,specifications supplementary means of bad assets disposal,such as commissioned external collection,sale of transfer,non-performing assetssecuritization,innovation emerging form of disposal,such as the use of the Internet financial platform to resolve the loan risk.This article discusses how Huanggang Branch of Agricultural Bank of China dissolve the risk with its ability mainly from the perspective of the bank.Explore how Huanggang Branch of Agricultural Bank of China use its professional ability to do a good job of disposal of non-performing assets.In order to guard against and dissolve the credit risk,optimize the structure of bank assets,increase bank profits,promote the bank stable and healthy development.