A Case Study On The Disposal Of Non-performing Loan Of Rural Commercial Bank Of D City During The Economic Transition Period

The bank is a special enterprise of operating risk,enhancing the control of risk becomes the important content of cultivating the core competence of modern commercial banks,whether the effective risk prevention and control is an important measure of the strength of the core competence of banks,and credit risk as the most important financial risk of commercial banks,its control is very important.Non-performing loan risk is the central reflection of the credit risk faced by banks.At present,China's economy is in a "new normal",with a slowing economy,sluggish market demand,declining corporate profits,high default rates,rising bank non-performing loan balances and non-performing loan ratios,squeezing bank profits and hampering the healthy and sustainable development of banks.Therefore,preventing and controlling non-performing loans and effectively resolving them have become the top priority of banks in controlling credit risks.Rural commercial banks are faced with similar operating environment,regulatory conditions,limited and convergent business and tools that they can develop and use,so their practices are highly reference and reference.As a national municipal standard rural commercial bank,in recent years,some achievements have been made in preventing and controlling bad risks and effectively resolving bad loans.Therefore,this paper introduces the relevant situation of bad loans,including the cause of bad loans and the disposal of bad loans,in order to enlighten other rural commercial banks.This article is divided into four chapters.The first chapter expatiates the background and significance of this paper,summarizes the relevant literatures at home and abroad,and briefly introduces the research contents,methods and framework.The second chapter is a case study.After introducing the characteristics of economic development and operation of D city rural commercial bank and the general operation of D city rural commercial bank,the present situation and disposal of bad loans of D city rural commercial bank are introduced.The third chapter is the case analysis,and focuses on the analysis of D city rural commercial banks bad loan formation and the problem in the disposal process;According to causes and disposes of the existing problems of bad loans,Chapter IV puts forward risk prevention and control countermeasures from the macro,Meso and micro levels respectively.