Analysis And Countermeasures On The Cause Of Non-performing Loans Of RR Bank

The non-performing loan rate is an important indicator of induced financial crisis,alsodecided thebank profit ratio and core competitiveness of the important factors. As the coreof commercialbank risk, risk of nonperforming loans showed not only affects commercialbanks to achievebusiness goals lead to reputation, also affect the social and economicbenefits to form socialrisk,eventually lead to social unrest and. Reforming and opening30years, China’s bankingindustry has accumulated a large number of non-performing loans,commercial bank’snon-performing loan rate is much higher than the international warningline, poses a serious threatto our bank system stability, so the study of bad loans in China’scommercial banks influencefactor and the prevention measures, of the financial security ofour country and the economy,social stability has certain theory significance and the practicalsignificance.In the preface of the paper mainly introduces the research background and significance ofnon-performing loans, as well as research results at home and abroad, and foreign research resultsfor a simple commentary. Based on this study the basic theory of banks’ bad loans, combinedwith the general status of the basic status of non-performing loans in the banking and businessgoals, analyze the impact of specific causes of non-performing assets and generated pursuant toanalyze one by one to consider possible measures sought on the basis of the existing theory, themaximum combined with practical, advice for solving practical problems.