Research On The Causes And Countermeasures Of Non-performing Loan Of G Bank

As far as the financial system is concerned,banking is the mainstay and center of gravity,and plays a vital role in the stable development of a country's economy.Non-performing loans have always been a common problem faced by the banking industry,which brings pressure to the sound operation of the banks and is one of the main factors that induce the financial crisis at the same time.According to the statistics of China Banking Regulatory Commission,the rate of non-performing loans and the balance of non-performing loans of commercial banks have shown an increasing trend in recent years,which has aroused great attention of the regulatory authorities.Therefore,the causes of non-performing loans of commercial banks and the countermeasures to be solved are worth exploring.To study and analyze the causes of non-performing loans,prevent and dispose of non-performing assets in a timely and efficient manner is one of the important issues to be solved urgently by all commercial banks,including G bank.As one of the earliest joint-stock commercial banks in China,G Bank is growing in market share and asset size,but its asset quality is declining with its rapid development.In this paper,G Bank is chosen as the research object,and the causes of its non-performing loans are studied and analyzed,which can help G Bank to improve its anti-risk ability and promote its stable operation.This paper analyzes the causes of non-performing loans of G bank by means of literature analysis,comparative analysis,case analysis and data combination.First of all,the research literature on non-performing loans at home and abroad is combed to understand the research status of non-performing loans;Through the basic theory of the causes of non-performing loans,the method of combining the data of non-performing loans with related cases,from the macro-economic factors to the impact of the potential risk of the debtor,External factors,such as Internet shock and increasing competition among the industry,lack of management ideas and lack of attention,backward loan management means,imperfect internal control mechanism,excessive concentration of credit delivery,and other internal factors.In-depth analysis of the causes of G Bank non-performing loans.On this basis,combined with the current economic situation and its own characteristics of development,put forward targeted prevention and disposal countermeasures,including actively responding to the macro-economic new normal,strengthening the construction of the credit system,strengthening the awareness of risk prevention of credit personnel,We should establish and perfect internal management system,optimize credit structure,promote securitization of non-performing assets,optimize banks own debt-to-equity conversion and secure the collection of non-performing loans.