Study On The Disposal Model Of Bad Assets In A Rural Commercial Bank

The liquidation and disposal of non-performing assets directly affects the smooth operation,efficiency improvement and healthy development of banks.According to the statistics of the Banking Insurance Regulatory Commission,in recent years,banks have disposed of 3.48 trillion yuan of non-performing assets,but the phenomenon of "increase before and after liquidation" shows that the problem has not been fundamentally solved.By the end of December 2018,the balance of non-performing loans of commercial banks was 2.03 trillion yuan,and the rate of non-performing loans was 1.89%,up 0.09 percentage points from 1.74% at the end of December 2017.The problem of non-performing assets of banks showed an increasing trend.The problem of non-performing assets of banks showed an increasing trend.The deteriorating problem of non-performing assets aggravates the difficulty of normal operation of banks.In order to ensure the sustainable operation of banks and solve the problem of non-performing assets of banks,it is urgent to strengthen risk management on the one hand,and on the other hand,to improve the efficiency of non-performing assets disposal of banks,to redraft a reasonable disposal plan and to build a healthy and effective disposal model.To overcome the drawbacks of the traditional disposal mode of non-performing assets and achieve the basic goal of sustainable development of banks.Based on the theory of non-performing assets management of banks,this paper studies the management of non-performing assets of A Rural Commercial Bank,objectively describes the status quo of non-performing assets of A Rural Commercial Bank on the basis of the information disclosure of A Rural Commercial Bank over the years,and summarizes,combs and reveals the problems existing in the management ofnon-performing assets of A Rural Commercial Bank on the basis of the status quo.In view of the macro and micro factors,this paper puts forward the construction scheme and Countermeasures of the disposal mode of non-performing assets of A Rural Commercial Bank.