Motivation Analysis And Control Of Non-Performing Loans In Commercial Banks

This thesis mainly studies the causes of non-performing loans in commercial Banks and constructs a key risk index evaluation system for non-performing loans.By combing the domestic and foreign theories related to non-performing loans,operational risk and credit risk,this thesis found that most of the studies focused on the impact on non-performing loans at the macro level,so this thesis focused on the impact of commercial Banks at the micro level on the basis of the predecessors.In this paper,130 NPL cases of R rural commercial bank were analyzed in depth and typical cases were analyzed by applying the grounded theory to summarize the causes of NPL and extract the key risk incentive indicators.Considering the non-performing loans motivation is more complicated,interdependent relationship between different level indicators,using the analytic hierarchy process(AHP)can’t accurate empowerment,this article USES the network process(ANP)to the commercial bank non-performing loans key risk indicators for corresponding empowerment,giving commercial bank non-performing loans of the key indicators of risk evaluation system.This thesis finds that: 1)the factors affecting the non-performing loans of commercial Banks mainly include five factors: external environment,external personnel,internal personnel,process system and system factors.At the same time,the major factors also include many sub-dimensions,such as local government policies,private lending,external fraud,professional ethics of business personnel,loan credit process,incentive system and other 17 sub-dimensions.2)there is an interactive relationship between each sub-dimension and the main dimension,for example,folk lending and regional credit environment will cause the borrower’s fraudulent behavior to some extent.3)process system is the key factors influencing the non-performing loans,including loans,credit process is the most important sub frequent non-performing loans risk factors,mainly due to the unreasonable process design,operation is not standard in process link and process of risk factors,such as missing occur frequently in the commercial bank credit business,thus susceptible to bad loans,so commercial Banks need to pay attention to credit process design and process risk identification.