Research And Analysis On The Disposal And Prevention Of G Commercial Bank's Non-performing Loans

Since 2010,Chinese economic developed gradually into a new normal:the pace of economic growth slow down while the pace of economic reform accelerated,the degree of marketization is higher and higher.However,the loose monetary and fiscal policies with corresponding economic structure adjustment triggered by global financial crisis in 2008 makes the management environment of commercial banks becoming more and more complicated.The slightly blind credit delivery and extensive management lead to credit risk incidents,non-performing assets have been exposed,non-performing loans rebound pressure increasing.At the same time,the banking supervision policies are becoming more and more complete.The supervision measures are becoming more and more strict.The new economic and financial situation presents great challenges to the prevention and disposal of non-performing loans,and puts forward higher and higher requirements for the professional technical ability and professional quality on non-performing loans prevention and disposal.This paper analyzes the prevention and disposal of non-performing assets in the region of Hangzhou from the angle of commercial banks.In view of the current situation and the development trend,this paper introduces and compares the advantages and disadvantages of various kinds of non-performing loans prevention and disposal measures.Combined with some examples,there is emphasis on bulk transfer,securitization,Debt for Equity Swap and other new kinds of disposal solutions.Putting forward the feasible solutions,in order to dispose non-performing loans legally efficiently and getting maximum repayment.The researches have certain practical significances for the prevention and disposal of non-performing loans and the healthy development for commercial banks.This paper is to provide reference for commercial banks to avoid the risks caused by bad loans.