"Capital Chain" And "Guarantee Chain" Risk Analysis And Countermeasures Of Commercial Bangks’ Of Non-Performing Loans

The problem of bad loans of commercial banks has been highly concerned by all walks of life, the size of the balance of non-performing loans, not only affects the profitability and competitiveness of commercial banks, and sometimes even the fuse of financial crisis. So it is of great importance to pay attention to and analyze the causes of bad loans of commercial banks.In recent years, the deterioration of the international economic environment, the domestic economy is under downward pressure, because many companies main profit decline, foreign investment excessive, should receivables collection difficult clearance, involved in private lending and commercial banks for risk control loan pressure, pumping loans and other variety of reasons "funds chain" risk continue to ferment; at the same time, an enterprise as a result of problems caused in the security chain "of the enterprise also the morale of instability, insecurity. "Funds chain" and "guarantee chain" (hereinafter the "two chain") the formation of the damages has become threatening the survival of enterprises and financial institutions, asset security, which will further affect the social stability of fatal cancer. Any of its development, the commercial banks will be a great challenge to the safe operation and development. Therefore, this article from the status quo and development trend of non-performing loans in Hangzhou Province, analyzes the current situation and causes of the "two chain" risk in Zhejiang area, taking the Bank of Bohai as an example, and puts forward some measures to solve the "two chain" risk, and to promote the commercial banks in the complex economic situation, sustainable development.The innovation of this paper is:the first innovation of this paper is the definition of "two chain" risk according to the current risk characteristics. Again, the "two chain" risk has significant time characteristics, which is different from the previous commercial bank risk theory analysis, more close to the reality. Finally, this paper also highlights the government function departments in the "two chain" risk causes and the important position in the process of resolving.