Study On The Optimization Of Disposal Strategies For Non-Performing Assets In XX City’s Commercial Banks

In recent years,state-owned banks and large commercial banks have been providing better capital financing services to society through financial technology.At the same time,under the high-pressure regulatory trend of "strong supervision and strict regulation" by financial regulators,as well as the further deepening of supply-side reform and the continuous transformation of the economic structure,the deterioration of commercial banks’ asset quality has intensified and the scale of non-performing assets has continued to increase,especially for urban commercial banks with relatively weak anti-risk capacity,which have accelerated the exposure of credit risk in the general economic downturn environment.Therefore,how to dispose of non-performing assets efficiently and in bulk has become an urgent problem to be solved.In this context,taking XX City Commercial Bank as an example,the study of its non-performing assets disposal problem to enhance the effectiveness of disposal has practical significance and value to guide the disposal work of small and medium-sized banks.This paper uses financial vulnerability theory,information asymmetry theory,resource allocation portfolio theory,combined with the collection of relevant information from case banks,credit operations and internal data on non-performing assets to collate statistics and design the questionnaire sample.A combination of questionnaires and interviews was used to conduct the survey and research.Meanwhile,on the theoretical basis of summarizing and combing the literature on the disposal of non-performing assets and financial technology at home and abroad,the problems of high non-performing loan rate,long disposal cycle and low efficiency,low motivation of disposal personnel and traditional concentration of disposal methods existed in the disposal process of the case banks were analyzed and studied.It also proposes corresponding optimisation measures,i.e.using financial technology to strictly control new non-performing assets,optimising internal processes to improve disposal efficiency,improving assessment,incentive and accountability mechanisms,and enriching non-performing asset disposal methods.To ensure the smooth implementation of the above countermeasures,further safeguard measures to strengthen investment in financial technology,transform the concept of non-performing assets disposal and strengthen the construction of disposal teams are proposed.By optimising the measures for the disposal of non-performing assets of the case bank,this paper aims to control the breeding of non-performing assets at source on the one hand,and broaden the disposal channels of non-performing assets on the other,thereby forming a synergy to control the threat of non-performing assets to the safety,liquidity and profitability of the bank itself,thereby restoring the intermediary role of banks to the real economy and economic growth.