A Research On The Problems And Countermeasures Of Financial Supervision Of Non-performing Loans In Postal Savings Bank Jinjiang Branch

Non-performing loans are the stubborn disease of commercial banks.The rise of the scale of non-performing loans could improve to be a serious social promblem,which not only directly affects the profitability of commercial banks,but also weakens the ability of commercial banks to support the development of China's economy.The supervision of non-performing loans is a huge and complex subject.It involves not only the internal management of commercial banks,but also the strength of social supervision and the policy guidance of the government.The non-performing loans of state-owned commercial banks mainly came from the planned economy and institutional transition,much influenced by policy factors.Soon after the end of the Asian financial crisis,China's financial sector carried out a comprehensive rectification.The efforts of banking institutions to push forward the institutional reform,the establishment of the CBRC and the strengthening of the supervision of the banking industry,finally won a valuable opportunity for the development of China's banking industry.As of September 2011,the balance of non-performing loans in China's commercial banks was 407 billion 800 million yuan,the NPL ratio was 0.9%,and the quality of loans was at the forefront of the world banking industry.Since 2011,the European financial crisis,foreign-related economy in the coastal area of China,especially Fujian Province,has suffered a great shock.The impact on Steel,photovoltaic,shipbuilding,and shoes industries are most prominent.At the same time,the emergency measures to cope with the financial crisis have quit,China's monetary policy has shifted from loose to sound,multi field regulation from Chinese government has been started,the entry of new technology has intensified competition in the banking market.All the new economic situations above have brought new requirements for the supervision of the quality of bank assets.This paper describes the specific situation of non-performing loans in Postal Savings Bank Jinjiang Branch,analyzes the reasons for the development and change of non-performing loans in Postal Savings Bank Jinjiang Branch from the perspective of game theory,by applying the theory of public management and the theory of Finance,and discusses the effective methods and shortcomings of the internal management of Postal Savings Bank Jinjiang Branch and the external supervision of Jinjiang's banking industry from the perspective of public management.And that,in the current weak economic recovery environment,financial regulators shall,through a diversification management mode including internal management control improving,external financial regulation,government participation and cooperation,fully mobilize the public resources,and ultimately realize the purpose of effectively reducing the scale of non-performing loans in Postal Savings Bank Jinjiang Branch,optimizing the financial market environment and promoting the development of local economic transformation.