Research On Risk Management Of Commercial Banks From The Perspective Of Bad Asset Management

In recent years,China's financial reform has intensified,and commercial Banks are facing increasing risks.In a series of risk,non-performing loans is the main problem,although the national macroeconomic regulation and control policy carried out,the bank is in itself to carry on the positive changes,as much as possible to reduce the phenomenon of bad loans,but the bad loans of commercial Banks still exist,and deeply affect the smooth operation and healthy development of the bank.This paper introduces the case analysis method in the research.The first step is to summarize the characteristics and reality of non-performing assets in China's commercial Banks,and explain the main ways of non-performing assets management and control and the existing problems.The second step takes the hebei branch of bank B as the research object,introduces the basic situation of the bank,emphatically expounds the causes of the bank's non-performing assets,the main management and control methods,and analyzes the problems existing in the management and control of non-performing assets.This paper,based on the analysis of the management and control of non-performing assets in hebei branch of bank B,gets enlightenment,and combined with the advanced experience of foreign countries in the management and control of non-performing assets,puts forward Suggestions on the management and control of non-performing assets in China's commercial Banks from the two aspects of external environment and internal system.This paper hopes that these Suggestions can help to improve the risk control level of China's commercial Banks' asset business.Through theoretical analysis and case study,this paper comes to the following conclusions: First,Commercial Banks in China should strengthen credit management;Second,Our country's non-performing assets on the laws and regulations and regulatory system still need further stability and improvement;Third,The traditional disposal mode of non-performing assets can not meet the current situation,China's commercial banks should actively explore the use of innovative means;Fourth,we must improve the professionalism ofthe personnel.