Research On The Disposal Of Non-performing Loans For Branch N Of Bank M

Commercial banks are the main body and core of modern financial system.Therefore,the asset quality of commercial banks directly affects the stable operation of financial system and the healthy development of national economy.In recent years,due to the impact of multiple factors such as internal cyclical shift adjustment and external Sino-US trade war,China's economy has experienced an adverse situation of accelerated industrial structure transformation and upgrading,increased bad debt rate of enterprises,deterioration of bank credit,and rapid rise of non-performing loan rate.In this context,how to effectively deal with the non-performing assets of commercial banks is an important task to prevent systemic financial risks and maintain the healthy and stable development of macro-economy.As a commercial bank,N branch of bank M has been seriously affected by the economic downturn in recent years,resulting in the decline of asset quality and the proliferation of non-performing loans.In order to effectively deal with the non-performing loans of N branch of bank M,based on the field investigation,this paper analyzes the operation,asset quality,performance evaluation and the current situation of the non-performing loan disposal of N branch of bank M in 2017-2019.First of all,according to the internal and external conditions of N branch,such as the lax three checks of credit management,the emphasis on performance rather than risk in the operation process,the emphasis on business structure rather than high-risk small and micro enterprises,and the deterioration of the integrity environment of the whole society,this paper analyzes the reasons for the proliferation of non-performing loans;secondly,it analyzes the advantages and disadvantages of N branch in the current disposal modes of non-performing loans,such as cash clearing,debt restructuring,write off and transfer Through comparative analysis,the bank pointed out the objective problems in the disposal of non-performing loans,such as low efficiency and single means,and the slow promotion of the disposal of non-performing loans,which had many negative effects on the operation and development of the branch,the stability of the staff team,the performance income and the legal risk of the branch's reputation,and analyzed the necessity and urgencyof accelerating the disposal of non-performing loans of the branch.Thirdly,the advanced experience of domestic and foreign commercial banks in dealing with non-performing loans is studied and used for reference.Finally,from the aspects of credit risk management,collection behavior standard,employee performance management,credit system construction,internal control and corporate culture construction,the paper puts forward countermeasures and suggestions to improve and optimize the non-performing loan disposal of M bank n branch.It is hoped that this study can play a theoretical guidance role for the non-performing loan disposal of N branch of bank M,and also hope to play a certain inspiration and reference role for the risk prevention and control and non-performing loan disposal of similar banks.