Research On The Problem Of The Non-Performing Assets Of The Rural Credit Cooperatives In Xinxiang XX County

With the downward pressure on China's financial market, the bank's non-performing loan ratio, balance and operating risk of banks have been increasing gradually since 2015. Non-performing assets are nationwide problems for banking industry. For most rural credit cooperatives, these problems have become an obstacle in the reform and restructuring.This article provides an overview of the current situation of non-performing asset in the rural credit cooperative of Xinxiang XX County, and then analyze its cause from macroenvironment, borrowers and internal management. Learning the successes and experiences in disposal of non-performing assets, aiming at the causes,following are suggestions: 1. Using the help from government and public voice; 2.Enhancing internal management, including perfecting risk prevention and control,internal control process, improving professional quality of management personels,consummating incentive and restrictive mechanism, building comprehensive risk control system on the premise of optimizing loan structure; 3. Applying different methods to dispose non-performing assets, such as government replacement, clearing canceling after verification.Effective disposal of non-performing assets is important to the deepening reform of rural credit cooperatives. This article combines case analysis methods with comparative analysis and empirical analysis. By analyzing XinXiang XX County non-performing assets problems of rural credit cooperatives, this article tries to find more practical approaches and provide some analytical results.