Research On Optimization Of Zz Bank's Disposal Method Of Non-performing Assets

The sound operation of Banks is closely related to the issuance of bad loans,but also positively correlated with the stability of the whole economic society and the sustainable development of economic.In recent years,commercial Banks have seized the opportunity of "four trillion yuan" investment in Real Estate and Infrastructure and invest large sums of money in them.In the period of rapid,stable and healthy development,the ratio of non-performing loans is controlled in a reasonable range.But since 2014,along with our country economic layout and structure optimization and gradually shift towards the direction of orderly and high quality development,our country's economic development stepped into the new normal.The ratio of non-performing assets increased significantly and then ACCM also faces new opportunities and challenges.The management of bad assets need to improve which has become serious situation and problems of the sustained and healthy development of commercial Banks.With the economic growth rate further slowdown and economic restructuring,the growth rate of non-performing loans of various financial institutions has accelerated obviously.There are also many problems in the rapid development of commercial Banks and financial system appears the signs of instability.In recent years,the balance and proportion of non-performing loans of commercial Banks have increased year by year.It has become a focus of the financial industry and a financial problem that every commercial bank urgently needs to solve.The state attaches great importance to major issues affecting social financial security,and regards how to effectively and accurately prevent and defuse all kinds of financial risks as the first of the three major battles.The overall non-performing loan scale of commercial Banks shows an annual growth trend of rapid increase and the scale of non-performing assets and the growth rate increased by a large margin.All these make China's commercial Banks face unprecedented development opportunities and severe challenges.The main purpose of this paper is to study the problem of bad assets management.On the basis of summing up the traditional way of disposal,according to the overall situation t of the banking industry,it gives innovation by combining the experience of developed countries and put forward the long-term mechanism of bad asset management and risk control to provide a reference for Banks disposing of bad assets.Aiming at the peak of non-performing asset disposal,this paper takes zz bank as a representative case.It deeply analyzed the main reasons of zz bank disposing non-performing assets and the possible problems in asset disposal.Besides,it also brings up how to optimize of existing disposal methods and some safeguard policy measures needed in the existing way optimization.The author hopes thesis can provide strategic and theoretical support for the future development of zz bank and provide a certain reference for other small and medium-sized city commercial Banks in the disposal of non-performing assets.