Research On The Influence Factors And Risk Preventive Strategies Of Non-performing Loans Of China Zhe Shang Bank

Zhe shang Bank as a joint-stock banks, other commercial banks like China, there arealso serious risks of bad loans, how to effectively guard against the risk of non-performingloans is a hot issue of common concern to the government and banks. In this paper, on thebasis of the relevant research status at home and abroad were reviewed based on empiricalresearch methods of non-performing bank loans Zhe shang Causes and risk preventionmeasures for a more in-depth analysis. The main research work and conclusions are asfollows:(1) A brief overview of the risks associated with non-performing loans theory, theexperience adverse U.S, Sweden and Japan and other advanced countries commercial bankloan processing and risk prevention, laid the theoretical foundation for future study.(2) From the analysis of the current situation of Zhe shang on banks’ bad loan riskmanagement, credit risk into the Zhe shang moral risk, operational risk, credit risk andmarket risk.(3) The reason for using the questionnaire method Zhe shang bank non-performing loansin the risks arising from the presence of the four were analyzed and found: the main cause ofmoral hazard pay system is unreasonable, low compliance costs and training are not in place;resulting credit risk the main reason is the credit environment is poor, deliberate fraud andrating mechanism unscientific; main cause is inadequate system of operational risk and poorquality of personnel; main cause of market risk and credit management organization does notinvest a single sound.(4) Zhe shang bank bad loans raised risk control measures, including: guiding ideologyand basic principles of risk control and strengthen the moral construction, improve the incentive mechanism, increase accountability efforts, standard operating procedures,improve the quality of personnel, strengthen publicity to raise awareness, Construction ofcredit evaluation system, rich business types, perfect10risk control measures in four areas oforganizational structure, innovative services and so on. Especially constructed AHP basedcredit evaluation system for the control of credit risk with better guidance value.