Research On The Causes And Preventive Measures Of Personal Non-performing Loans Of Bank Of China

Continue to deepen reform of the domestic financial system, commercial bank loans in the proportion of personal loans is growing in commercial banks to obtain greater profits at the same time, the risk of the existence of personal loans also become increasingly evident. In this context, China's commercial banks to select individual non-performing loans for the study, utilization surveys, literature research, comparative research methods, relying on bank behavior theory, the theory of the vulnerability of commercial banks, credit risk management theory system launched discussion, inquiry NPLs personal reasons, combined with the current situation of the proposed optimization strategy targeted individual NPL problem solving.Situation study found that bank of China non-performing personal loans more prominent, resulting in non-performing loans that is the bank's internal reasons, there are reasons external macro environment. The main external cause personal NPLs have run economic cycle, change of monetary policy, risk prevention regulatory system is imperfect, yet market-oriented interest rate. The main personal causes of personal NPLs is the limit of economic capacity,the lack of credibility and domestic calamity. The main underlying causes of non-performing loans generated by individual bank staff is not strong sense of responsibility and risk awareness, personal loans process management is not in place, the risk of early warning systems need to be upgraded, the internal credit rating system is imperfect, the inter-bank information is not shared. The current basic measures of personal loans bad governance main asset preservation, loan restructuring, legal process in three ways. Based on this paper further proposes to deal with non-performing loans of personal loans before the need to further improve preventive measures to regulate loans in the review, examination and approval system, improve the post-loan risk responses. For the current governance measures of bank of China NPLs may adopt asset preservation, loan restructuring, the main legal processing. It should also work on many aspects of talent, technology, system, culture.