Research On The Management Of Non-performing Loans Of LS Rural Commercial Bank

As one of the components of China's financial system,the rural commercial bank has inherited the original resources of the rural credit cooperatives after several system reforms,and has a strong vitality in the new era,and its capital structure and operating conditions have been improved.As a unique component of the rural financial system,rural commercial banks play an active role in stimulating market vitality,promoting local economic prosperity,providing financial services to rural and scattered groups and individual merchants,and injecting funds to promote economic development.With the development of rural commercial banks,the financial services that can be provided show diversification,enabling farmers and individual businesses to obtain convenient and personalized service experiences.However,due to the complex and variable peasant group's credit situation,the unstable income source and easy to cut off,the tight connection of the capital chain,the seriousness of relying on the daily food,and the small fluctuation of the size of the rural regional economic market,the rural commercial banks are facing There are many factors influencing credit risk,high frequency of occurrence,long-term non-performing loan backlog,and the size of funds is restricted by operation.It is difficult to control its own development status,and risks are difficult to avoid,which makes the uncertainty of the future development of rural commercial banks increased.The interaction and cross-effects of many factors have actually led to the problem of non-performing loans becoming a “stubborn disease” for the operation of rural commercial banks.Exploring the causes of non-performing loans,the importance and urgency of seeking solutions to the problem of non-performing loans is self-evident.This paper describes the operation and management status of credit funds in the case of LS agricultural business behavior,discovers and identifies the credit risk of its existence,and discusses the problems existing in the development of LS farmers' commercial banks,analyzes their internal causes,and discusses the resolution of non-performing loans.The feasible strategy to strengthen the prevention and control of agricultural commercial banks,laying a solid foundation for the subsequent healthy development.Finally,it puts forward some suggestions to improve the efficiency of LS Rural Commercial Bank in dealing with non-performing loans.Under the current economic situation,we will control the dynamics of the economic environment,adjust our business lines,dynamically identify financial risks,recover credit funds in a timely manner,resolve the credit risks of rural commercial banks,and improve the risk management and control capabilities,so that the agricultural commercial banks will continue to be strong.Development momentum.