Research On The Causes And Countermeasures Of Bad Loans In S Rural Commercial Bank

In the context of the domestic economic downturn,the problem of non-performing loans in China's commercial banks has become increasingly prominent,especially in rural commercial Banks.The loans of rural commercial banks are mainly invested in small and micro enterprises and agriculture-related customers.The rebound of corporate profits driven by supply-side structural reform is mainly concentrated in large and medium-sized enterprises.The slowdown of economic growth has made small and micro enterprises and agriculture-related industries a serious area for non-performing loans.Pointed out in the report to the nineteenth,determined to play against and dissolving of significant risk of good tough,especially prevent defuse financial risks,rural commercial bank holds an important place in the financial system in China,the non-performing loan problem at present is the most prominent problem,bank to strengthen the management of agribusiness bank non-performing loans,build a scientific and systematic prevention system,to prevent defuse financial risks plays a vital role.Based on the general situation of non-performing loans in China's commercial Banks,this paper first introduces the purpose,significance,research ideas,methods and routes of non-performing loans in rural commercial Banks,and summarizes the domestic and foreign research on non-performing loans.On this basis,this paper takes S Rural Commercial Bank as the research object,starts from the theoretical basis of non-performing loans research,and points out the current situation of S Rural Commercial Bank's non-performing loans through field investigation and comparative analysis.Through the method of combining case analysis and data analysis,this paper makes an in-depth analysis of the causes of non-performing loans of S Rural Commercial Bank from the internal and external perspectives,combines the internal and external factors,and puts forward relevant countermeasures and Suggestions on how to manage non-performing loans.This paper takes the problem of non-performing loans of S Rural Commercial Bank as a typical example and carries out relevant research,aiming at providing practical experience on how to solve the problem of non-performing loans and optimize credit assets of rural commercial Banks nationwide.Under the situation of supply-side structural reform,the credit business level and risk management and control ability can be further improved,so as to further improve their profitability and competitiveness,improve market share,better serve the local real economy,and form a virtuous cycle of economy and finance.