Study On The Causes And Countermeasures Of Non - Performing Loans Of Small Enterprises In Yunnan Branch Of Bank Of China

China’s economic development is facing transition, commercial bank as an important part of the financial industry, its development also faces challenges. As government policies to support small businesses, small business credit business of commercial banking become a focus. But due to the small business loan has the problem of non-performing loan ratio is high, therefore, the development of the small business credit business for commercial Banks is not only an opportunity, is also a challenge. The key to commercial Banks make small business credit business, is to reduce the non-performing loans for small businesses.This paper studies the bank of China, yunnan branch causes and countermeasures of non-performing loans, small business is divided into six parts. The first part is the introduction, first elaborated the research background and significance of the entire study, explains why we do research on the problem; Then. Convenient for defining the relevant concepts, follow-up studies, by reducing disputes. Finally, illustrates the full text of the research framework and research methods, and puts forward the innovation points in this paper. The second part of this paper introduces the general situation of the bank of China, yunnan province. Mainly including small business loans credit products and policies, institutions, credit risk management in three aspects. By introducing the three aspects, which makes readers to general conditions have a preliminary understanding of the bank. The third part is the yunnan province branch of the status quo of small business loans, in this section, combined with the data analysis, introduces the current development of small business loan business, the status quo of nonperforming loans and government policy. The second and third part of the article on the bank of China, yunnan province has a more comprehensive understanding, laid a solid foundation for analysis of the problem. The fourth part into the focus of the full text of the article, the paper analyzes the causes of bad loans for small businesses. In this section, the paper analyzes the internal problems, the problems existing in the small businesses, and the influence of the external policy, the bank of China, yunnan province are analyzed the causes of non-performing loans for small businesses. The fifth part of the article is also an important part of the full text, this part mainly puts forward the countermeasures of non-performing loans for small businesses. And countermeasures corresponding to the corresponding reasons, also from the perspective of three thinking, Banks, businesses and third-party, aiming at different angles, different solutions are put forward. Finally, the conclusion of the full text, to do a general summary of the article.