Research On The Influencing Factors And Preventive Measures Of Non-performing Loans Of The N Branch Of Industrial And Commercial Bank Of China

In recent years,under the influence of domestic and foreign economic forms,the development of China undefineds financial industry has entered a more difficult situation,such as enterprises running away from debts,individual bosses running the road and so on,and the effective quality of credit assets is declining.The deterioration of the quality of credit assets will inevitably lead to the core competitiveness of commercial banks,which has seriously affected the decline of the financial industry's sustained and healthy development.The important role of commercial banks in the entire financial system.At the same time,banks are serving the special industries of society.with almost all the people,individual industrial and commercial households,Enterprises and institutions as well as government agencies deal with very strong social special financial institutions,therefore,the steady operation of banking plays a vital role in ensuring the financial security of the whole society.How to effectively control the growth of non-performing loans and deal with non-performing assets has become an urgent problem for banks.China(ICBC)N Branch Industrial and Commercial Bank has been working hard to reduce the non-executive loan interest rate and achieved certain results,but the non-performing loan balance and non-performing loan ratio have been rising since 2017.Therefore,it is very necessary to study non-executive loans and The reason for the preventive management approach.This paper takes the current situation of non-performing loan management Industrial banks in China and N branches of China are the subject of research.Based on theoretical research findings on the causes of non-executive loans to domestic and foreign economic circles,it uses data analysis,comparative analysis,case analysis and other research methods.Through a large amount of data support,first of all,the poor loans from China in the view,followed by the non-performing loan status and influencing factors of the research banks of China's N branches,the macro-angle analysis of the current situation,including the occurrence and handling of non-performing loans a complete case,analysis and reflection,what points are worth learning from in the future,and finally put forward to improve the non-performing loans of commercial banks.Suggestions on measures for loan management and disposal.By studying the current status of non-executive loans of ICBC Commercial Bank in China(ICBC)N Branch,and analyzing which influencing factors are,according to these factors,some preventive measures can be put forward,which can effectively reduce the increase of non-performing loans.It provides a useful reference for the credit asset risk prevention and control of ICBC branches in the future.