Research On Management Strategy And Causes Of Non-Performing Loan Of The BOC A County Branch

Non-Performing Loan NPL has become the "world public nuisance." How many bad loans in relation to the bank's survival is related to the country's economic security.A huge amount of non-performing loans of commercial banks, and in recent years, exacerbated by poor indicators "double up" trend in non-performing loans have caused great concern.BOC as one of the four state-owned commercial banks, China is the most international and diversification of banks, domestic banks still can not escape bad loan ratio and the balance-liter double dilemma.A paper selected Bank of China branch in the county as the research object, through the use of empirical analysis and theoretical analysis, investigation and logical reasoning with a combination of two methods to draw conclusions.Generally speaking, in recent years, the Bank of China A general upward County Branch business operations, the main business grew steadily and gradually improve the management structure,performance ranking in the province within the scope of the Bank of China in 120 outlets.However, since the second quarter of 2015, A County Branch performing loans,non-performing loan ratio continued to "double up".Although at the end of the digestion of a large number of bad loans, but this is mainly due to the higher income group stationed Branches clear, write-offs of bad loans, package handling and delivery of new lending,revitalize the real branch, disposal of bad loans and the ability to manage credit risk the ability is not strong, but also exposed the deficiencies of its credit business processes and staff management.Reasons for the county branch of BOC A corporate non-performing loans, recommend A county branch take the following measures at a later stage as well as credit risk management process:A county branch should improve credit management strategy, to grasp the key aspects of credit risk management, strengthen the credit control process management and nodes. To cut a prospective customer "pulse", the second is to make good customers, "lifeline", the third is to hold on "node" The fourth is to strengthen the building. Specific to do: strengthen the loan before the due diligence investigation, cultivating advanced riskmanagement philosophy, the establishment of science and technology risk management system, improve the credit business post settings to optimize the loan after disposal the means to cultivate specialized corporate banking team.Since the identity of the operating environment, the history and other aspects of the management of non-performing loans of commercial banks with strong similarities, these responses are equally applicable to other commercial banks, especially the four state-owned commercial banks of grass-roots organizations.Moreover, domestic research on commercial bank credit risk management and the company processes, mainly in the macro or partial theoretical aspects of substantive law of the grass-roots level, the specific operation process management to explore less, which is what credit can be risk prevention in an effective way crossings.