Studies On The Non-Performing Loan Management Of C Bank In Hunan

The development of the national economy can not be separated from the financial support,so the financial industry plays an important role in the healthy and sustainable development of the national economy.In recent years,the rapid growth of non-performing loan ratio and non-performing loan scale in China seriously threat to the safety and stability of the financial system.According to latest data from the China Banking Regulatory Commission,in the first half of 2016 commercial banks' non-performing loan ratio as high as 1.75%,a new high record in nearly 7 years.The prevention and control of non-performing loans in the future will be an important work over a period of time of financial supervision and regulation institutions and commercial bank.City commercial Banks in asset scale,business strategy,innovation ability,etc.,with state-owned commercial Banks and joint-stock commercial Banks in our country there is a big gap.In with case,strengthen the bad assets prevention capacity,improve the efficiency of bad assets disposal,reduce the risk of non-performing assets,already become an important subject,and a severe challenge to financial supervisory institution and urban commercial banks.Therefore,this article selects a city commercial bank in Hunan province as the research object,through in-depth analysis of the current situation of the bank's non-performing loans and the internal and external reasons for the formation of non-performing loans,to develop targeted and applicability of non-performing loans precautionary measures and disposal measures.On the one hand,Banks can throuth strengthening employee risk awareness,improving the internal management control system,perfect the incentive and constraints mechanism,to effectively prevent new bad loans;On the other hand,bank should dare to try,dare to innovate,takes a variety of ways to improve the efficiency of the disposal of non-performing assets,reduce non-performing loans.