Research On The Causes And Countermeasures Of Personal Non-performing Loans In Banks

As the central pillar and focus of the development of the financial industry,banks play a crucial role in the development and operation of the economy.As a special industry,the bank loan business occupies an important source of bank income in the process of operation.The formation of non-performing loans is also an inevitable part of the loan process,and non-performing loans are one of the difficult problems faced by various banks,bringing great pressure to the stability and development of banks.According to relevant statistical data,commercial banks have shown an upward trend in non-performing loan ratio and amount in recent years,which has not only attracted the attention of banks,but also the attention of regulatory authorities,and this phenomenon has also attracted the attention of scholars and experts,who have begun to study its causes.At present,the reason and optimization strategy of non-performing loans of commercial banks have become the focus of research.Through the methods of literature,investigation and case analysis,this paper combines theory with data to analyze and summarize the reasons for the formation of personal non-performing loans in a local branch of a bank.First of all,through the literature method to collect relevant information about the causes of non-performing loans in banks,summed up various views,understand the current status of non-performing loans;Through the theoretical analysis and collation of the causes of non-performing loans and related theories of prevention and control;thirdly,by using the method of questionnaire survey and case analysis,the paper combines theory with practice to explore the causes of the individual non-performing loans of a bank's prefecture-level city branch,including macroeconomic impact,potential risks of debtors,administrative intervention,emerging network loans,peer competition pressure,moral hazard,internal control system,staff comprehensive skills,risk management awareness,non-performing loan collection and disposal methods,credit distribution and credit lines.Finally,on the basis of the study and analysis of the causes of formation,the paper puts forward the corresponding countermeasures,that is to actively respond to the new normal of the macro-economy,enhance the debtor's potential risk awareness,strengthen the control of online loans,establish and improve the internal management system,improve the comprehensive skills of internal staff,do a good job in the collection of non-performing loans,optimize the credit structure,prevent customers from over-extending credit.The research of this paper is not only limited to the local branch of a bank,but also based on the need of all commercial banks to solve the problem of personal non-performing loans.In the course of development,the local branch of a bank not only has the general characteristics of commercial banks,but also has its own unique personality.This paper discusses the reasons for the emergence of personal non-performing loans in a local city branch of a bank,hoping to provide some suggestions for solving the problem of personal non-performing loans,this paper provides some theoretical basis for other commercial banks to improve their personal non-performing loans,and then helps to enhance their risk resistance and promote their stable development.