Analysis On Risk Control Of Non-performing Loans Of Rural Commercial Banks In China

China's rural commercial banks have been developing and growing for the past few decades.Based on local conditions and developing rural finance,they have contributed a significant amount to the development of the rural economy.However,while the continuous development,the overall non-performing loan ratio of the rural commercial banks has continued since 2011.Climbing,from 1.6% in 2011 to 3.2% in 2017,non-performing loans severely constrained the development of rural commercial banks.Therefore,it is necessary to analyze and study the control of non-performing loans of China's rural commercial banks and propose solutions.Therefore,this paper studies the non-performing loan control of China's rural commercial banks.Based on the overall level of China's rural commercial banks and the data of 30 rural commercial banks in China,the paper analyzes the current situation of non-performing loans of rural commercial banks,analyzes the problems and influencing factors in the process of prevention and control of non-performing loans,and proposes corresponding countermeasures..This paper analyzes the status quo of non-performing loans of China's rural commercial banks by means of statistical analysis methods,comparative analysis methods and qualitative and quantitative analysis methods,and summarizes the development status of China's rural commercial banks.From the overall level of rural commercial banks and local agricultural commercial banks,this paper analyzes the farmers in China.The status quo of commercial banks,and the analysis of the risk prevention indicators of local rural commercial banks.Then,from the aspects of credit asset structure,slow release credit risk,risk management awareness and the collection and preservation of non-performing loans,the paper analyzes the existence of non-performing loans in China's rural commercial banks.The problem,and then further look for the reasons for the problem,from the external,internal and customer aspects.It is concluded that there are the following problems in the prevention and control: loan concentration,risk management awareness,weak ability to mitigate credit risk,single and inadequate means of clearing up,while the external factors are mainly the downturn of macro-economy and deterioration of credit environment;the internal reasons of rural commercial banks are loopholes in credit mechanism,inadequate human resources management and internal control problems;customer factors are poor management,information asymmetry and so on.In this paper,in order to study the control of non-performing loans of the rural commercial banks in more detail,the Beijing Rural Commercial Bank with significant prevention and control effects and Wuxi Rural Commercial Bank with general control effect are selected for comparative analysis,mainly from the status quo of non-performing loans,possible risk analysis,and prevention.Comparative analysis of control measures and disposal measures.In the process of comparison,find out the better measures taken by Beijing Rural Commercial Bank for the reference of Wuxi Rural Commercial Bank.At the end of the article,this paper draws on the prevention and control measures of the Agricultural Bank and the disposal measures of non-performing loans at home and abroad,and puts forward relevant suggestions on the improvement of non-performing loan control by China's rural commercial banks in terms of prevention and control measures and disposal measures,such as prevention and control measures.Optimize employee structure and innovate training methods,improve risk awareness,strengthen risk prevention and control,increase innovation and apply big data technology,etc.In terms of disposal measures,government agencies play a leading role,set up specialized disposal agencies,and intensify measures for innovation.This paper can provide relevant suggestions for improving the non-performing loans prevention and control ability of agricultural and commercial banks in China,provide ideas and references for solving the problem of non-performing loans for agricultural and commercial banks,and provide theoretical support and practical inspiration for other researchers to further study non-performing loans of rural commercial banks.