Research On The Non-performing Loan Of Commercial Bank Under The New Normal

Non-performing loan is an important indicator that to evaluate the asset quality and business performance of modern commercial banks.Commercial banks are the core of our financial system,asset quality decline will bring a series of social and economic problems,on the one hand it will lead to commercial banks have a lower profit,a lower debt capacity,and even to cause a bank run phenomenon.on the other hand it may lead to inflation,and even to endanger the stable and healthy development of national economy.on the other hand may induce inflation even endanger the whole stable and healthy development of national economy.In recent years,as China’s economic development has entered a new normal,macro-economic slowdown,the real estate market volatility,excess capacity regulation and other such non-performing loan ratio of commercial banks rising trend.Although adopted various means efforts to dispose of bad loans,but according to the latest statistics of China Banking Regulatory Commission,in recent years the balance of non-performing loans,the non-performing loans ratio was two-liter situation.Therefore,the new understanding of non-performing loans of commercial banks under the new normal is extremely important.Based on the theory of credit,financial and commercial banks the vulnerability of the theory,the theoretical basis of bank behavior,combined with the current situation of China’s commercial banks non-performing loans,the analysis of economic factors in the new normal commercial bank non-performing loans and to make suggestions.When analysis of non-performing loans of commercial banks influence factors,this paper from the external macro-economic,trade needs to analyze,discover NPL ratio of commercial banks and macroeconomic volatility correlation;then from the real estate industry and overcapacity perspective,in recent years found malls average price of housing and non-performing loan ratio of generally negative correlation between overcapacity enterprises cut closed increased non-performing loans of commercial banks;and then combined with the commercial banks to their own problems to explore from internal factors,mainly from the credit of commercial banks the structure,risk control system were analyzed.Through the international advanced experience summary disposal of bad loans of commercial banks to draw inspiration disposal of bad loans,then under the new normal of how to effectively prevent the risk of rising non-performing loans of commercial banks were put forward suggestions from both internal and external aspects.External dimensions of major economic measures to sustained and healthy development of the promotion,to promote the development of foreign trade,and resolve real estate inventory,resolve excess capacity and other aspects of internal macroeconomic level,from the enhanced adaptability of commercial banks to optimize the credit structure,improve service quality and improve risk control system Suggestions put forward aspects.