Research On Asset Preservation Measures Of X Provincial Branch Of Postal Savings Bank

The research on the disposal of non-performing assets in the economics circles at home and abroad has been studied for more than 30 years.In the modern economy,non-performing assets have become an important factor affecting the stable and healthy development of economic and financial development.At the same time,the economic situation has deteriorated,and the financial crisis has in turn led to the development of non-performing assets.rising.Since the 1970 s,China's economy has entered a period of recession,and it is still in an overall downward trend.The non-performing loan balance and non-performing loan ratio of national commercial banks have shown a "double rise" trend for seven consecutive years.Therefore,how to resolve the reduction of non-performing assets is a hot topic in China's economic research.With the gradual marketization of commercial banks,the formation of non-performing assets in China has been transformed from a planned economic environment to a market economy environment.The disposal of non-performing assets has been transformed from the establishment of the four major asset management companies in the late 1990 s to the self-digestion of commercial banks.In recent years,small and medium-sized commercial banks have emerged in an endless stream.The improvement of people's living standards and the advancement of lifestyle technology have made retail banking a major trend in the future development of banks.Then,studying the asset preservation measures of domestic retail commercial banks has very important practical significance.This paper starts with the analysis of the current economic situation,sorts out the research results of experts and scholars at home and abroad,and finds that for the commercial banks that are responsible for their own profits and losses and at their own risk,if they effectively carry out asset preservation for non-performing loans,there is still no specific measures for the system.Results.The strategic positioning of China Postal Savings Bank is a large-scale retail bank.The development strategy is "one big one and one small".It is based on rural areas,based on the community,and based on small and medium-sized enterprises.It mainly develops retail credit business,especially small and micro enterprise loans and "three Agricultural" loan.Therefore,this paper uses the example of China Postal Savings Bank X Province to study and analyze the bank's asset quality control in recent years,the situation of bad collection and pressure drop,existing asset preservation methods,etc.,and the bank's collection and write-off.The case is summarized,pointing out that the problems in its asset preservation work include: weak credit management ability,narrow disposal channels of non-performing assets,unsound team construction,high value of collateral assessment,and poor credit environment construction.Waste debts,court enforcementdifficulties,poor administrative intervention,cumbersome procedures for write-off of bad debts,difficulties in realizing loan relief,and excessive loss of package transfer.Furthermore,it proposes the bank's recommendations to improve the effectiveness of asset preservation.First,strengthen risk warning and enhance risk agility;second,do a good job in traditional collection and improvement of collection techniques;third,try bulk transfer and securitization to broaden the gap.The fourth is to strengthen team building and improve the professional quality of asset preservation personnel;the fifth is to actively seek external support from the government,courts,regulatory authorities,and the Bank of China.Suggestions on the external overall non-performing asset disposal environment:strengthen the construction of credit system,improve the system of disposal of non-performing assets,improve laws and regulations,and actively dispose of the market for non-performing assets.I hope that through the writing of this article,it can provide some reference for other retail commercial banks in China,and hope to benefit the stable development of China's economy and finance.However,because of the limited time relationship and ability,there is still a long gap between the depth of analysis and the theoretical level,and the formation of a bad disposal system for commercial banks.