The Research On Management Of Non-performing Assets Of Hunan Branch Of Bank Of China

Non-performing loans have not only hindered the healthy operation of financial institutions,but also directly affected the healthy and orderly development of the entire economy and society.Therefore,various financial institutions,especially the banking industry,have been focused on.In recent years,domestic banks have introduced several rules and regulations to regulate the development of their credit business,especially in the risk control sector,but the results have not been significant.Overall,the growth rate of non-performing bank loans has slowed down.But non-performing loans are still on the rise.Therefore,strengthening the management of non-performing loans is one of the important issues facing the banking industry.Only by doing a good job in the management of the entire process beforehand,in the middle,and afterwards can we reduce financial risks and gradually eliminate the problem of non-performing loans.Based on the theory of credit management and non-performing loan,this paper combs the research contents of domestic and foreign experts and scholars,adopts literature reading method,field research method,interview method and other research methods to discuss how to optimize the non-performing loan management of Hunan Branch of Bank of China.Firstly,the paper studies the basic condition and forming reason of the non-performing loan of Hunan Branch of Bank of China.Then,from three aspects: the principle and mode of non-performing loan management,the main measures of prevention management,and the main measures of disposal management,this paper analyzes the actual situation of non-performing loan management of Hunan Branch of Bank of China,and discusses the main problems and reasons in depth.Secondly,we will draw on the management strategies of the United States,France and other countries for the disposal of non-performing assets,put forward the objectives,principles and framework for the management of non-performing loans in Hunan Branch of Bank of China,and put forward an optimized plan from both preventive management and disposal management.The specific content covers nine branches such as doing due diligence work before lending,building and improving the internal control system mechanism,improving the standardization of the assessment of non-performing assets,and strengthening cooperation with other financial companies.Finally,in order to ensure the implementation and effectiveness of this optimizationplan,five safeguards are put forward from five aspects: cultural ideology,organizational structure,human resources,information and communication,and institutional system.This paper combines the theoretical knowledge and the author's many years of work experience in commercial banks,uses the research vector of Hunan Branch of Bank of China score behavior to find out the problems in the management of non-performing loans,and puts forward an optimization plan.It can not only provide the optimal thinking for the management of non-performing loans in Hunan Branch of Bank of China,but also hope to provide some reference for other commercial banks in China to deal with non-performing loans.