The Research On Control Optimization Of The HZ Bank's Non-performing Loan Risk

In recent years,China's economic growth has slowed down,from high-speed growth to medium-to-high-speed growth,showing a new normal.The downward pressure on the macro economy,along with the bank's own “pro-cyclical” behavior,exposes the risk of loans that were not previously perceived.According to statistics from the China Insurance Regulatory Commission,the non-performing loan ratio of commercial banks in China has increased from 1.00% at the end of 2013 to 1.87% in the third quarter of 2018.The balance of non-performing loans has increased from 590 billion yuan at the end of 2013 to 20,300 in the third quarter of 2018.100 million yuan.The city commercial bank is a product of China's special historical conditions.At the beginning of its establishment,it inherited a large number of non-performing loans left by the city credit cooperatives.The advantages of local city commercial banks are obvious.They can share the rapid growth of regional economy and private economy,but the same disadvantages are also outstanding.In the current financial reform,they also face more pressure from peer competition.Urban commercial banks have significantly upgraded their corresponding loan risks due to the pursuit of business expansion.Therefore,analyzing the causes of bad loans of urban commercial banks and controlling their rise has become a problem worthy of attention.Taking HZ Bank as an example,this paper analyzes the status quo of its nonperforming loan risk,and explores its defects and defects in the risk control and resolution,and makes recommendations.Non-performing loan risk is a comprehensive risk unique to commercial banks.Based on the comprehensive risk management theory,this paper proposes a new framework for comprehensive analysis of the current status of non-performing loan risk from the aspects of non-performing loan level,nonperforming loan migration and non-performing loan offset.The status quo of HZ bank loan risk control is analyzed.After that,this paper explains the reasons for its high non-performing loan risk from the macroeconomic background,historical factors,and HZ Bank's own business structure,capital constraints,intermediary business and internal control effectiveness.In view of the above reasons,this paper proposes to strengthen the three aspects of loan review,optimize business structure,implement capital constraints,expand intermediary business,improve internal contro l and promote the disposal of non-performing loans,aiming to help HZ Bank improve and improve loan quality.Solve the current development dilemma and provide new ideas.