Zaozhuang Bank's Non-performing Loan Analysis And Treatment Plan

Since the commercial bank the date of birth,accompanied with the risk,.Bank credit risk management is the weak link in the banking business,the huge non-performing assets and the low efficiency of the bank management is the focus of China's Bank credit risk management problems.With the development of the banking industry and the continuous innovation,the banking industry risk gradually showing the characteristics of complicated and changeable.From the idea,the credit risk of a single loan has evolved to include many types of risks,including market risk,operational risk,credit risk and so on.Business loans and risk prevention is a key problem for the managers of commercial banks.In fact,the loan business development and risk prevention is relatively uniform,not irreconcilable contradictions,should the dialectical point of view.The excessive development of business loans,will increase the risk;the risk prevention,is bound to affect the development of loan.On the one hand to speed up the business development bank,on the other hand,to strengthen the risk control,with a minimum price for the largest business development.How to correctly handle the loan business and risk prevention in the dialectical relationship is a big problem that banks are actively solve.In this paper,according to the study on the loan to the bank of problem,combined with the practical work in the discussion of bank loans causes and risk prevention and control plan.In exploring the causes of non-performing loans under the premise,in addition to use the previous traditional effective measures,according to the economic and financial situation changing,study and explore the new way to solve by to resolve non-performing loans and prevent non-performing loans in increments of together,to resolve non-performing loans and the new normal financial development together,to resolve non-performing loans and the bank own sustainable development together.In order to play a guiding role in the actual work,and effectively prevent the problem of credit risk,ensure the safety of bank funds,promote the healthy development of the financial business.