Research On The Disposal Plan Of Non-performing Assets Of Bank Of China A Branch

With the constant acceleration of economic development,the role of commercial banks has become increasingly prominent.The development of commercial banks plays a guiding role in micro-economic development and is also an important medium for currency circulation.Since the 1980 s,under the leadership of the state to promote economic development,Chinese people's income and living environment have improved and their desire for material consumption has also increased.However,the bank's loan business is no longer limited to enterprise loans,but began to provide loans to individuals with a larger market and greater sustainability,so the personal loan business(also called retail loan business)came into being.Market demand is changing rapidly.In order to effectively promote the healthy development of commercial banks and achieve steady income growth,the bank continuously develops loan products to meet market demand.On the other hand,in order to control the ratio of non-performing loans,the marketing of loan products has stalled.In recent years,the government's key work goal is to remove production capacity and inventory.In the financial field,innovative products of Internet finance emerge one after another,which have been unanimously recognized by traditional investors and have promoted the development direction of industry innovation.In contrast,however,the credit business is still standing still in the field of innovation,while the country has issued a development direction of deleveraging financial resources,the total amount of loans has decreased,and the number of banks' non-performing assets has been increasing,which has had a huge impact on the overall efficiency of commercial banks.Banks are suffering from a decline in asset quality,and in the absence of " throttling",they have to speed up the processing of non-performing loans to achieve the goal of increasing revenue.In view of this,the purpose of this paper is to analyze the sticking point of the traditional bank's personal credit business under the current economic situation and the control of relevant state policies,and to analyze the data of non-performing assets generated during the period of rapid economic development in China.At the same time,taking Bank of China A Branch's current management and disposal of non-performing assets as the research object,and in view of the bank's current risk management system and credit criteria,and in combination with the problems existing in the existing management and disposal scheme of non-performing assets of Bank A Branch,this paper puts forward an optimization scheme for disposal of non-performing assets.We hope to break the bottleneck of personal loan business development for banks and provide a reference for banks to substantially improve the balance of non-performing loans.