Research On Non-performing Asset Management Of Shanghai Pudong Development Bank H Branch

The problem of bank non-performing assets is widespread in many countries.Governments,financial regulatory agencies and asset management companies have made active explorations and unremitting efforts in this regard.Chinese experts and scholars have also made great efforts in this regard.Non-performing assets are the main risk of the banking industry.From the perspective of corporate governance,it will affect the return on investment of investors;from the point of view of the bank’s own operations,it will reduce the bank’s sustainable development capacity,and then trigger systemic risks;furthermore,it is directly related to the steady development and security of the entire economic system.The purpose of the topic selection is to consolidate the broad propositions of non-performing asset management into a branch of a joint-stock commercial bank--The Shanghai Pudong Development Bank H branch.As a joint-stock commercial bank that has developed rapidly in the Inner Mongolia area,experienced a significant decline in its profits since the outbreak of bad assets in 2014,which has seriously affected its development momentum.For the bad assets that have already formed,how does SPDB H branch deal? What is the management system of its bad assets? What are the problems with this management system? What causes these problems? How to improve? This is an important issue to be solved in this paper.This article analyzes the structure,existing problems and causes in the internal management model of Pudong Development Bank H Branch.The paper proposes improvement measures about the management of non-performing assets,the disposal efficiency of non-performing assets,and implementing the incentive system for rewards and punishments.In this case,it is possible to optimize the non-performing assets management system in the Shanghai Pudong Development Bank H branch to achieve the goal of maximizing the disposal of non-performing assets.This article mainly carries out research in accordance with the relevant research introduction-the status quo of non-performing assets management and problem description-analysis of reasons-the idea of improving non-performing asset management strategies.It firstly introduces the current situation of bad assets management in Shanghai Pudong Development Bank H branch,and discovered andproposed some problems in the work.The article makes the full use of MBA professional management knowledge,methods and related theories to put forward a reasonable idea of optimizing the bad assets management of Pudong Development Bank H branch.It also proposes more efficient solutions to the stock of bad assets,so as to improve the profitability,safety and liquidity of Bank of Shanghai Development Bank H branch.For a bank credit worker,the article would be helpful in seeking more scientific methods of work and providing theoretical support and practical inspiration for future work.