Study On Cause And Risk Prevention Of Non-performing Loans In BC Bank

As China’s social economy enters a new normal,economic system and policy adjustments continue to affect the development of the financial industry,the economic growth rate is entering a new period of transformation,and the growth rate is gradually slowing down.With the deepening of the current structural"de-lever aging",some companies that have blindly expanded,over-financed,and lagged behind in the long-term accumulation of risks in the past will face the pressure of centralized release.In addition,the internal management system of the banking system is lagging,and faces greater risk exposure pressure.In recent years,the balance of non-performing loans and the rate of non-performing loans of China’s commercial banks have continued to rise.As of the end of 2018,the non-performing loan ratio was as high as 1.83%,and the non-performing loan balance reached 2.03 trillion yuan.According to data from relevant departments,as of the third quarter of 2019,the non-performing loan ratio is still growing,even as high as 1.86%.Under such severe conditions,the risk exposure situation of China’s commercial banks will become more severe.Once improperly handled,it is easy to cause systemic risks.Therefore,it is of great practical significance to analyze the causes of non-performing loans of China’s commercial banks under the new economic situation,and put forward countermeasures to mitigate the corresponding risks of non-performing loans of China’s commercial banks.This article takes BC Commercial Bank as the research object,and firstly uses the literature analysis method to sort out and summarize the non-performing loans of domestic and foreign commercial banks.Secondly,theoretically using financial vulnerability theory,credit theory,loan customer relationship theory,etc.,to analyze the causes of non-performing loans.Third,taking BC Commercial Bank as an example,it introduced the current status of the bank’s non-performing loans and analyzed its current risks,and at the same time used case analysis to analyze the causes of the bank’s non-performing loans.Finally,this article puts forward risk prevention measures and countermeasures to solve non-performing loans.