Research On Innovation Of Non-Performing Assets Disposal Model Of Commercial Banks

Under the new normal economic situation,the adjustment of industrial structure makes the speed of economic growth and the driving force of growth have changed obviously.With the continuous increase of loan enterprises and loan scale,the non-performing assets ratio of banks also shows an upward trend.Based on this,the asset quality of commercial banks will deteriorate,and even face a more severe credit situation.It can be said that the disposal of non-performing assets of commercial banks has become a shackle in its development process.In view of this series of problems,this paper starts with the emergence,impact and traditional disposal methods of commercial banks,and gradually analyses and combines with cases,focusing on the exploration and innovation of disposal mode and safeguard measures.Structurally,this paper consists of five parts.In the first part,the literature involved in this study is sorted out,the research background and effect of this paper are briefly described,and the research status of relevant theories is integrated.The second part mainly elaborates several concepts related to this article,and takes this as a starting point,carries on the integration analysis to the existing theory related to the disposal of non-performing assets,and selects the theory suitable for this article.This paper mainly introduces some contents of non-performing assets,such as classification,definition and so on.Describes the harmfulness of excessive non-performing assets and the principles of disposal of non-performing assets,and discusses the related research theory of the subject,and introduces the existing disposal methods of non-performing assets.The third part,taking A commercial bank as an example,analyses the current situation of non-performing assets of the commercial bank,introduces the reasons for the formation of non-performing assets of the bank and the current disposal methods,and summarizes the problems existing in the disposal of non-performing assets of the bank.The fourth part makes an empirical analysis on the main influencing factors of non-performing assets of commercial banks from macro,micro and industry levels.The fifth part,according to the analysis of the current disposal mode of non-performing assets of commercial banks and the case analysis of non-performing assets disposal of commercial banks A,puts forward the measures and modes of non-performing assets disposal.Through this study,with the development of science and technology and the arrival of the era of big data,the means of disposal will become more diversified.Under the safeguard measures of fully improving the management level,perfecting various mechanisms and creating a more precise information platform,it is more necessary to activate the disposal mode of non-performing assets of commercial banks to achieve the maximum value of assets.To promote the healthy development of the financial industry,and hope that this paper can provide some support and guidance for the future disposal of non-performing assets of commercial banks.