Countermeasure Research On Non-Performing Assets Management Of Harbin Bank

As China's economic development enters a new normal,many contradictions in the economic field are gradually concentrated and transferred to the financial sector,making financial risks agglomerate and high-risk.The problem of rising non-performing assets of commercial banks is becoming more and more serious and needs to be highly valued.Excessive non-performing asset ratio is a hindrance to the development of commercial banks.It is important to effectively reduce the rate of non-performing assets.Effectively revitalizing bad assets of banks is related to commercial banks.In the future,effectively solving the problem of persistently rising non-performing assets is the top priority of commercial banks.H Bank is a commercial bank with the business philosophy of “Inclusive Finance ”.It was listed on H-shares in 2014 and has transformed from the original city commercial bank to the national commercial bank of shares.It is currently experiencing rapid development of business.During the period,but with the rapid development of H Bank,the problem of the continued growth of non-performing assets has aroused everyone's concern.In the seven years from2012 to 2018,the non-performing assets balance and non-performing asset ratio of H Bank both rose,the non-performing asset ratio rose from 0.64% to 1.73%,and the balance of non-performing assets rose from 556 million in 2012 to 4.397 billion in 2018.Through the analysis of relevant data collection and non-performing asset structure of H Bank,it is found that the non-performing assets of H Bank are“double-rise”,the regional differences of non-performing assets are serious,the proportion of non-performing assets of small enterprises is too high,and the non-performing assets of farmers are loaned.There are five problems,such as high rates and slow disposal of non-performing assets.The paper further sorts out the causes of internal non-performing assets,combined with the analysis of external economic environment and the research on disposal methods of non-performing assets,sums up the internal cause of H bank's high non-performing asset ratio is“three not lower than”implementationbias.The disadvantages of the farmer's joint guarantee mechanism,the risk control and the implementation of the inclusive financial concept are still not matched,and the post-loan management mechanism is not perfect;the external causes are the imbalance of regional economic development,the difficulty of operation of small and micro enterprises,and the ineffective implementation of the credit reporting mechanism.On the basis of discussing the reasons for the rise of non-performing assets of H Bank,the paper puts forward that H Bank's countermeasures for controlling non-performing assets include strengthening small and micro enterprise loan management,improving farmer's joint insurance measures,using digital inclusive financial prevention and control risks,and establishing effective loans.Four internal improvement measures,such as the management mechanism;proposed four external environmental recommendations for further deepening the targeted RRR reduction policy,establishing regional inclusive financial support mechanisms,implementing quality supervision of bank small and micro enterprise loans,and accelerating the construction of honest Longjiang.In the disposal of non-performing assets of H Bank,the paper puts forward two ways to optimize the disposal of non-performing assets and enrich the disposal methods of non-performing assets to solve the problem of slow disposal of non-performing assets.I hope that I can explore the countermeasures for controlling the non-performing assets of H Bank and the effective disposal method of non-performing asset ratio,and solve the current situation that H-bank non-performing assets are rising year by year.