A Study On The Management Strategy Of Non-performing Loans In Yantai Branch Of A State-owned Bank

Under the background of the Supply-side structural reform,China's financial industry faces the dilemma of "economic downward pressure" ecological deteriorate in operation of the Banks,The defective rate of Five State-owned commercial banks increased,by the end of 2016,its bad loan balance accounts for 51.34%of the banking industry,bad assets management of state-owned commercial Banks has become an important part of economic reform,and the effective disposal of bad loans has become a key issue affecting the sound operation of banking institutions and the stability of financial market.A state-owned Banks as the state-owned bank branches as Yantai branch area enterprise provides the multi-types,variety,time limit of credit business products,take the lead in Yantai area in the state-owned Banks to carry out securitization as well as the innovation fund and so on the new model,to further optimize and perfect of non-performing loans recovery,has typical significance.In this context,this paper analyzes the total amount,structure,classification and disposal of non-performing loans in Yantai branch of A state-owned bank.Meanwhile,based on the current successful experience and practices of the disposal of non-performing loans at home and abroad,it puts forward corresponding management strategies on how to further improve the effectiveness of the management of non-performing loans.The core content of this paper include three parts:part 1 is concepts of non-performing loans to comb,and puts forward the practice of non-performing loans management experience at home and abroad,and reference to the related theory is expounded,according to the historical process of China's state-owned Banks non-performing loans,the analysis of A state-owned bank non-performing loans management problems that exist in the Yantai branch;Part 2 of A state-owned bank in late November 2017,Yantai branch with an overview of the non-performing loans,the whole situation of the bank's non-performing loans,and regional distribution of industry organization,analysis,and have A thorough understanding of the bank's non-performing loans disposal using main mode,by establishing multivariate linear model is the influence factors of the bank's non-performing loans management mode choice given conclusions;Part 3 puts forward corresponding management strategies and safeguard measures on how to choose the non-performing loan management mode and prevent credit risk in Yantai branch of A state-owned bank in combination with the above contents.The main Suggestions proposed in this paper are the support of the government functional departments and the support of macro supporting policies.Second,the bank institutions strengthen their own risk prevention ability;Third,the establishment of inter-bank information sharing mechanism to enhance the level of financial innovation.