Research On The Problems And Countermeasures In The Management Of Non-performing Loans In Commercial Banks

In recent years,with the gradual slowdown of China's economic growth,the problem of asset quality of commercial banks has become increasingly prominent,and the non-performing loan rate remains high,which not only challenges the stable development of China's financial industry,but also has a certain impact on the stable operation of China's economy.Strengthening the management of non-performing loans in commercial banks has become an important issue in the banking industry.This paper focuses on the research of non-performing loans of commercial banks.Taking Yichun branch of bank J as an example,on the one hand,through the analysis of internal and external environment,it discusses the causes of non-performing loans of commercial banks,on the other hand,through the comparison of foreign experience and reference analysis,it can provide reference for Chinese commercial banks to deal with the non-performing loans and the management of non-performing loans.Firstly,this paper analyzes and discusses the research background of non-performing loans,and summarizes the theoretical and practical significance of the topic.Then Taking Yichun branch of bank J as an example,this paper makes a comprehensive analysis of the current situation and causes of non-performing loans of Yichun branch of bank J.From the external reasons(macroeconomic factors):macroeconomic downturn,economic cycle,laws and regulations,enterprise credit risk;internal reasons(bank management): concept,system and employees,summarize the causes of the formation of non-performing loans of commercial banks,and draw lessons from the management experience of foreign non-performing loans to summarize the management of non-performing loans of commercial banks in China Enlightenment: to formulate the management measures for non-performing loans of Yichun branch of bank J,to put forward the suggestions for the management of non-performing loans of Yichun branch of bank J,to build a scientific and standardized regulatory system,to improve the credit management system,to improve the management system of non-performing loans,not only to guide the management of non-performing loans of commercial banks,but also to have a strong pertinence and feasibility operability.