Study On Disposal Measures Of Non-performing Loans Of Lanshan Rural Cooperative Bank

The rural cooperative banks mainly provide financial services to rural enterprises in China,and the financial institutions that organize themselves voluntarily are mainly served by farmers and members.The establishment of rural cooperative banks is the spontaneous investment of farmers,the main priority for the funds of farmers,members of the loan business,rural cooperative bank is the implementation of democratic management,is an important part of China's financial system.Rural cooperative banking business development in the rural special environment,in the face of special clients,forming a large number of non-performing loans.The emergence of non-performing loans greatly reduced the total capital of rural cooperative banks and reduced their operating capacity.Over time,a large number of bad loans accumulated a direct impact on their development and the survival of rural credit cooperatives.The instability of rural cooperative banks also directly affected the stability of rural areas And farmers' income.This paper analyzes Lansan Agricultural Bank from the angle of finance and economics,finds out the status of its non-performing loans and the forming factors of non-performing loans,and analyzes the management of non-performing loans.This part is divided into six parts,the first part is the introduction,mainly introduces the background and related research significance,as well as related literature review at home and abroad;the second part expounds the relevant theoretical knowledge and the formation of non-performing assets and foreign disposal And the third part takes Lanshan Rural Credit Cooperative Bank as an example to explain the status and causes of non-performing loans.The fourth part mainly introduces the methods and problems of the disposal of the non-performing assets of Lanshan Nonghang Bank and Lanshan Agricultural Cooperative.The fifth part introduces the experience and reference of domestic commercial banks in dealing with non-performing loans.At last,the author puts forward the corresponding countermeasure and the suggestion of dealing with the bad loan through the analysis of the non-performing loan and the experience of the domestic commercial bank dealing with the non-performing loan.