Research On The Causes And Countermeasures Of Non Performing Loans In Z Branch Of Y Rural Commercial Bank

Liquid asset management is an important part of the financial management of enterprises.For commercial banks,non-performing loans are an important component of its mobile assets.As a financial institution that places places,the Rural Commercial Bank,with the purpose of serving agriculture,rural areas,and small and micro enterprises,assumes the mission of supporting agricultural branches,supporting the real economy,and supporting the local economy.It can be said that it is a local economy and small and micro enterprises Development is complementary and inseparable.However,because Rural Commercial Bank is restructured from rural credit cooperatives in various places,there is still a huge gap between other commercial banks in terms of management concepts,risk awareness,and personnel quality.Therefore It seriously affects its continuous and stable development.This article takes the Z branch of Y Rural Commercial Bank as an example,trying to explore the cause of the formation of its non-performing loans and propose a corresponding solution to the countermeasures.By consulting the relevant documents of non-performing loans from domestic and foreign banks at home and abroad,collect data from the Y Rural Commercial Bank of the Z Sub-branch of the Y Rural Commercial Bank 2020-2022.Combined with the actual cases in real life,this article comes from two aspects of external and internal factors.The reasons for the formation of non-performing loans of the bank Z branch conducted in-depth analysis.Among them,the external cause of the bank was to conduct research from three aspects: downside,the tightening of the real estate industry policy,and the intensification of interbank competition.In-depth in-depth investigation of the three aspects of poor implementation and excessive dependence on external evaluation agencies and credit teams.In the last part of this article,from the perspective of external factors,internal factors,and the disposal of non-performing loan disposal,these three parts are proposed to solve the countermeasures and suggestions of non-performing loans of Y Rural Commercial Bank Z.Beauty development.This article combines the relevant data of the non-performing loan of the Z branch of the Y Rural Commercial Bank to analyze the causes of its non-performing loans,forming a case-type research on non-performing loans for the Z branch of Y Rural Commercial Bank.Research and analysis are more accurate and convincing.At present,there are few cases of non-performing loans for rural commercial banks and county-level branches.The study of this article is useful for the management of non-performing loans of county-level branches similar to the rural commercial bank system.