Study On The Disposition Of Non-performing Assets For A Bank

After the financial crisis in 2008,the global economy continued to be depressed,the economy of our country also suffered a heavy crisis,and the traditional manufacturing industry is facing a difficult transformation.As a barometer of the economy,the financial industry is facing a heavy crisis.At the same time,the risk of stock loans frequently occurred,the index of non-performing assets is deteriorating rapidly,and the quality of assets is facing major challenges.In this background,the disposal and dissolution ability of non-performing assets of commercial banks has increasingly become an important factor affecting the core competitiveness of banks.The disposal of non-performing assets not only perplexes the development of banking industry all over the world,but also is a common problem faced by our commercial banks in the process of reform and development.Therefore,it is necessary and of profound practical significance to study the disposal and resolution strategies of and non-performing assets for commercial banks in China.The main purpose of this paper is to study and discuss the disposal of nonperforming assets of commercial banks,mainly using case analysis method.Through the study of the disposal status of non-performing assets of Bank A,this paper finds out the existing problems,and puts forward suggestions for improvement,hoping to provide experience for other commercial banks in the management of non-performing assets in the country.Firstly,through literature review,this paper combs the existing research on the disposal of non-performing assets of commercial banks at home and abroad.In the second chapter,the paper summarizes the related concepts of non-performing assets,as well as the related theories of non-performing assets disposal such as "ice-hockey effect" theory,asset transfer theory,asset securitization theory,which provides a theoretical basis for the study of this paper.Then,taking the city commercial bank A bank as an example,this paper summarizes the current situation of non-performing assets of A bank comprehensively,and studies the problems existing in the disposal process of non-performing assets of A bank through the analysis of report data.It holds that the existing disposal methods of A bank,such as collection,restructuring and write-off,are inefficient,and the risk of restructuring customers is reborn.At the same time,in terms of richness of disposal methods of A bank,the current disposal methods of Bank A are relatively single,and the management of non-performing loan disposal is imperfect.Finally,this paper puts forward optimization suggestions for the problems existing in the disposal of non-performing assets of Bank A,such as collection,restructuring and dissolution,payment of debts in kind,cancellation and so on.At the same time,two new disposal methods of non-performing assets are introduced: transfer of nonperforming assets and securitization of non-performing assets,and some suggestions are put forward for the prevention,control and management of non-performing assets of Bank A.