Research On The Disposal Strategy Of Non-performing Loans Of ZJ Rural Commercial Bank

Due to the influence of many factors,ZJ bank accumulated a lot of bad loans,restricting the steady development of ZJ bank,from the establishment of the bank,But the fundamental reason is what causes the huge non-performing loans of ZJ bank,what strategies can be adopted to deal with the non-performing loansand how to take the mode to control and prevent the emergence of new non-performing loans?At the present,the competition between commercial banks is fierce market,the business scope of banks is gradually expanding,from the traditional intermediary business,bill settlement,letter of guarantee,letter of credit,gradually extended to the securitization,derivative financial and other innovative business and the new risk arises.In the past two years,the overall social and economic downturn,the non-performing loans of banks show new characteristics,the reasons for the formation of bad loans are also varied.under the new situation,the non-performing loan rate of bank is likely to rise.In the face of the domestic economic situation,the ZJ bank has the possibility of large-scale non-performing loans,should study the management strategy of non-performing loans.This paper analyzes the management strategy of non-performing loans at home and abroad,and analyzes the present situation,formation reasons and characteristics of non-performing loans in ZJ bank,combining the actual situation of bank,improve the management strategy of non-performing loans,control the generation and elimination of non-performing loanshas important theoretical and practical significance.