Research On Prevention And Control Of Non-Performing Loans Of K Commercial Banks

The global economic recovery is slow,the international financial market volatility,increased financial risk,especially after the marketization of interest rate,bank spreads,profit ability to drop,will bring severe challenge to bank management.The non-performing loans of commercial Banks continue to rise,not only affects the bank's own management and development,also affect the safety of the country's financial stability.The standard&poor's,a rating agency report predicts that the next 2-3 years of bank credit losses will quickly rise,banking will come into a period of profit growth in the future.On the K commercial bank non-performing loans of conduct the thorough research to the prevention and control,not only can improve the ability to resist risk of commercial bank K,reduce financial risk,also provide certain reference for other state-owned commercial Banks,to promote the country's macro economy and social stability.This article obtains from the definition of bad loans,by K Banks non-performing loans in nearly five years of growth trend analysis,found that K commercial Banks non-performing loan amount is growing in nearly five years,non-performing loan ratio also continue to rise,asset quality is poorer.According to a 2011-2015,the relevant data of commercial Banks is analyzed,summed up the status quo and characteristics of commercial bank non-performing loans,selected the gross domestic product(GDP)growth rate in recent five years,the growth rate of money supply(M2),bank capital adequacy,bad loan provisioning coverage and net interest margin of five economic indicators,from the macro economy development condition,the Banks themselves,the ability to operate the borrower from three aspects,the reasons for the formation of non-performing loans in commercial Banks has carried on the thorough analysis,the analysis results show that the GDP growth rates and money supply M2 growth rate is inversely proportional to the commercial Banks non-performing loan ratio K,bank capital adequacy,bad loan provisioning coverage and the growth rate of net interest margin and negatively correlated with K commercial Banks non-performing loan ratio.Through empirical analysis of K commercial non-performing loans,this article from the prevention,control and resolve three aspects put forward the corresponding Suggestions and comments.According to the reasons for the formation of non-performing loans in commercial Banks,both to prevent and control the increment of non-performing loans,the better the quality of credit assets,improve the ability of Banks to resist risk and profitability,prevent to produce new bad loans;To solve the problem of stock of bad loans to solve,namely to take effective measures to eliminate or dissolve the bad loans now.Therefore,the prevention and control countermeasures of K commercial bank non-performing loans is pre-prevention,matter controls,afterwards.K commercial Banks non-performing loan amount increased non-performing loan ratio rising,mean K commercial Banks of financial risk control is not enough.The emergence of non-performing loans,first,because prevention is lax,not enough attention followed by bank to non-performing loans,unable to control the increase of non-performing loan ratio.For K,therefore,prevention and control of commercial bank non-performing loans,give priority to in order to prevent first,to increase the K commercial bank risk prevention capacity,to establish risk early warning system,locked good lending,the prevention of new bad loans.Second to control the increase of non-performing loans,is to develop a business,reduce interest income,improve bank non-interest income,establish a multi-level capital market,optimize the bank scale at the same time,improve the quality of assets;Finally,to reduce and resolve non-performing loans,to strive for the support of national policy,with profits to write off bad loans,asset securitization means to resolve non-performing loans.