Study On The Control Of Nonperforming Loans Of Industrial And Commercial Bank Of China S Province Branc

In recent years,affected by the domestic and foreign economic situation,the business development of enterprises is also facing unprecedented challenges.The weak solvency of enterprises directly leads to the decline in the quality of credit assets of financial institutions,which not only affects the healthy and sustainable development of financial institutions,but also harms the stability of social economy.Therefore,how to strengthen the quality control of credit assets,effectively curb the growth of non-performing loans,and reasonably and efficiently dispose of non-performing assets has become a problem that the financial industry needs to overcome.At present,although many banks have taken many measures to strengthen credit risk control,but due to the complex and changeable credit risk,there are still many uncontrollable factors in the control of non-performing loans,resulting in frequent fluctuations in asset quality.Therefore,it is still necessary to analyze the causes of non-performing loans and carry out research on non-performing loan control.In this thesis,Industrial and Commercial Bank of China S provincial branch non-performing loans as the main research object,first of all,the S provincial branch non-performing loan volatility trend is introduced,the S provincial branch non-performing loan volatility trend and the country,the whole bank and the province ’ s non-performing loan volatility were compared;on this basis,this thesis analyzes the structural characteristics of non-performing loans of provincial branch S,and points out that there are problems such as industry concentration,regional concentration and customer concentration in the non-performing loan structure.Secondly,using the method of combining theoretical analysis and case analysis,the causes of non-performing loans are explored.At the theoretical level,it analyzes the causes of non-performing loans from the external environment,bank factors and enterprise factors.In the case study,combined with the structure characteristics of non-performing loans,selected four typical industries of non-performing loans cases,further analysis of the reasons for the formation of non-performing loans.Finally,based on the above analysis conclusions,this thesis puts forward targeted countermeasures for non-performing loan control.In the process of combing the relevant literature of non-performing loans,it is found that most previous studies focus on countermeasure research on reducing non-performing Loan,and there are few studies on the pre-prevention mechanism when the risk of non-performing loans has not yet formed.Therefore,this article for non-performing loan control countermeasures mainly from the perspective of prospective risk control is divided into six aspects.Improving the mechanism construction of risk management is the content of paving the way.The improvement of risk management system and framework can pave the way for the sustainable development of credit business.In particular,the establishment of risk management concept and the establishment of risk prevention and control institutions are the keys to ensure the healthy development of credit business combined with the actual situation of provincial branch S.The implementation of ex-ante credit planning is the content of scientific planning.Combined with the analysis of the characteristics of non-performing loan structure of provincial branch S,scientific planning of financing direction and continuous optimization of credit structure can further ensure the healthy development of credit business.Realizing the basic management of credit is the content of laying a good foundation,perfecting the pre-loan investigation mode,strengthening the construction of credit team and adjusting the management mechanism can solve the problems of lack of professionalism and enthusiasm of credit personnel in S provincial branch.Optimizing the risk monitoring and verification mechanism is the content of prevention in advance,and the credit risk is eliminated in the embryonic stage by combining risk active verification and intelligent monitoring.Measures to optimize the credit environment to increase the punishment of debt evasion and strengthen the cooperation of financial institutions are mainly proposed to help build a good environment for the healthy development of credit business in view of the poor overall credit environment and multi-financing of private enterprises in S Province.Speeding up the disposal of non-performing loans is the content of post-control.Exploring the potential of non-performing loans and innovating the disposal methods of non-performing loans can reduce the loss of non-performing loans and further control non-performing loans.