Research On The Causes And Countermeasures Of Non-performing Loan Of A Bank

Since the 1980 s,there have been local or global financial crises in the world,which has caused some economic losses to all countries.Some countries have even experienced a big retrogression in the national economy.After the study and analysis of these financial crises,we can find that this is inextricably linked with the existence of a large number of non-performing loans of commercial banks,and the dangers of non-performing loans are obvious to all.Without exception,China's commercial banks also have a large amount of non-performing loans and a relatively high proportion.According to the 2016 annual statistical data released by the China Banking Regulatory Commission,the balance of non-performing loans of listed commercial banks reached RMB1,512.3 billion at the end of December 2016,an increase of RMB18.3 billion from the end of the third quarter and 1.74%of the non-performing loans,up 0.25 percentage points from the beginning of the year,Credit risk continues to rise.In such a large environment,A bank also affected,which accumulated a large number of non-performing loans,a serious impact on the healthy development of A Bank.Therefore,the study on the causes of A bank's non-performing loans and some countermeasures of prevention and treatment,can make A bank to enhance the ability to resist risks and maintain a stable state of development,has a certain theoretical and practical significance.In the introduction of the paper,the paper introduces the research significance and research background of the non-performing loans of commercial banks,as well as the research status and achievements at home and abroad,and makes a brief review of these achievements.This paper studies the internal factors such as the external factors such as country,politics and moral hazard of the debtor and the backwardness of the A bank's risk measurement method and the internal control is not perfect through the methods of literature analysis and field investigation.This paper draws lessons from the experience of bad loans disposal at home and abroad,combines the status of A bank itself and the current situation of A bank,and as a basis for considering the disposal methods and countermeasures of A bank,including the introduction of advanced risk measurement model.The establishment of specialized processing team,optimize the internal management of banks.At last the strategy was approved by a bank executive,some of which have been implemented at Bank A.