Y Rural Commercial Bank's Non-performing Loan Causes And Countermeasures

In recent years,with the rapid development of China’s financial market,rural commercial bank are constantly expanding their own strength.Rural commercial bank are the main force of China’s rural financial market,which serve the "three rural",serve the development of local economy and support the local small and micro enterprises,playing an important role in promoting China’s rural economic sustainable development.However,because of the underdevelopment of China’s rural financial market and the lack of innovation in financial instruments,rural commercial bank have a single type of asset business and the main asset business of rural commercial bank is credit business.With the gradual opening of the banking market,many overseas funded commercial banks will also aim at China’s rural financial market,so the credit risk rural credit cooperatives facing has become increasingly appearing.This attracted the attention of the management of rural commercial bank.The accumulation of non-performing loans is one of the main risks of China’s rural commercial bank.Some problem of rural commercial bank is not completely resolved in the process of reform,leaving a large number of non-performing loans,which cause the credit risk of rural commercial bank higher than that of other commercial banks.It is urgent to strengthen the management of non-performing loans and establish a scientific and systematic prevention system.Based on the analysis of the backdrop of the non-performing loans of Chinese commercial Banks,the article introduce the purpose and significance and research ideas and methods of rural commercial bank non-performing loans research at first,and then summarize the non-performing loans research status at home and abroad.Then describe the concept and the classification of non-performing loans in brief.On this basis,in this article,take Y rural commercial bank as the research object.On the basis of the inherent fragility theory,the commercial bank behavior theory,loan risk management theory,through the way of field investigation,it is concluded that the Y rural commercial bank non-performing loans basic situation and characteristics,the current disposal mode and the negative impact.By case analysis and data analysis method,this article deeply analyze the causes of non-performing loan of Y rural commercial bank from external environment and internal reasons.External environment includes the nonstandard policy management system,imperfect social credit system,greater potential risk of borrower and internal reasons covers the unreasonable credit assets structure,unsound credit management mechanism,behindhand management of non-performing loans,low comprehensive quality of loan officers.Therefore,this article puts forward some countermeasures and suggestions to improve the non-performing loan management system.Hope to strengthen the construction of credit system,strive for the support of local government,optimize the structure of credit assets to reduce costs and risks,improve credit management mechanism,strictly regulate each loan,improve the non-performing loan management mechanism to reduce the loss of assets of Y rural commercial bank,improve credit personnel comprehensive quality.Through the study of Y rural commercial bank non-performing loans problem,find out the factors which restrict the development of the rural commercial bank credit business.In the current,under the situation of the adjustment of rural economic structure,financial system reform deepening,this paper can increase a certain theory and practical experience for non-performing loans risk management of rural commercial bank,improve the credit management level and management ability,promote the healthy operation of credit funds and improve competitiveness and profitability,consequently,rural commercial bank can better keep a foothold on the rural,and serve the "three rural" and the small and micro enterprises.