Research On The Causes And Countermeasures Of Non-performing Loans Of X Bank Heze Branch

Since the international financial crisis in 2008,many international well-known commercial banks suffer the seriously affected.The global financial industry has paid a terrible price.The Chinese commercial banks have not been spared.The assets quality of commercial bank has been greatly reduced,and the rate of non-performing loan continues to rise.In addition,the Chinese economic development has been into the new normal.The growth speed of the economic is slowing,and many industries appear overcapacity.Under the pressure of the economic downturn,the assets quality of commercial bank has been greatly reduced.The non-performing loans appear a double up phenomenon.The non-performing loan has restricted the healthy development of commercial banks in a long time,and it has always been the difficulty that troubled all commercial banks.There is the financial crisis caused by non-performing loan in many developed countries in the west.The non-performing loan is still one of the problems that commercial banks need to solve urgently.Although the problem about non-performing loans has aroused the attention of the Chinese government and the relevant departments,and they take some active prevention and treatment measures to relieve the problem.However,it is undeniable that the amount of non-performing loans in China's commercial banks is still very serious,but also presents rising trend.Therefore,discussing the problem of non-performing loans of commercial banks,not only has a very important theoretical significance,but also is an urgent need to solve the problem in practice.It has important significance to enhance the competitiveness of China's commercial banks in the world's financial sector,and to promote the financial reform in our country to solve the problem of non-performing loans.The research is divided into sixed parts.The first part mainly discusses the introduction of research background,purpose and significance.The second part is the theoretical review,including the theoretical basis of the need for research and some definitions and relevant theories of non-performing loans to form.The third part is the present situation of the credit operations and non-performing loans of X Bank of Heze branch,including the basic situation,the current situation of the credit operations,the situation and the problems of the non-performing loans of X bank of Heze branch.The fourth part mainly investigates and analyzes the factors of the non-performing loans of X bank of Heze branch by using questionnaire survey method.It discusses the reasons of the non-performing loans of X bank of Heze branch form three aspects of the bank,borrower and macroeconomic factors on the basis of the survey results.The fifth part puts forward the management strategy of the non-performing loans of X bank of Heze branch.It mainly puts forward the specific solutions aiming at the problems and reasons of the non-performing loans.The last part is conclusion to summarize and analyze the shortcomings of the study.