Analysis Of Causes And Control Of Non-Performing Loans Of Listed Commercial Banks

The banking industry can affect the economy of our country,while it has attained progress in recently years,also appeared a series of problems and in these problems,a large number of non-performing loans has caused great negative impact to the bank,although the national macro-control from the policy,and the banks themselves are also formulating active rectification,intending to reduce the possibility of the occurrence of non-performing loans to a minimum,but the non-performing loans of commercial banks still exists,and deeply affect the smooth operation and healthy development of the banking industry.In order to strengthen the control over the non-performing loans of commercial banks in our country,based on a large amount of related literature of financial,economic and banking,this paper compares the current non-performing loans of listed commercial banks in our country,and this paper focus on the most serious and typical bank in terms of non-performing loan--Agricultural Bank of China,which conduct research and analysis.The paper summarizes and analyzes the main reasons for the current situation of Agricultural Bank of China's non-performing loan,which results in high non-performing loan and non-performing loan ratio of Agricultural Bank of China,and the effective measures of controlling and controlling non-performing loans of Agricultural Bank.Under the background of the high non-performing loan ratio of commercial banks in our country,the non-performing loan ratio of Agricultural Bank ranked maintain first in all listed commercial banks,reaching 2.37%.As for the causes of non-performing loans,the characteristics of non-performing loans of major commercial banks have certain similarities and their formation causes are also widespread and general.Therefore,although this paper analyzes the situation of non-performing loans of Agricultural Bank,this paper has universal significance for all commercial banks.The internal reasons of non-performing loans mainly include the wrong business philosophy,the system is not perfect,and the loan structure is unreasonable,etc.The external factors cover the country's macroeconomic policies,economic system changes,laws and regulations and so on.Finally,to improve the existing situation,we must start from both inside and outside.Banks and governments have to strengthen communication and cooperate to take scientific measures.This article has very strong practical significance,because China Agricultural Bank,as an important state-owned bank,can create a greater impact to China's financial system.In recent years the bank has affected by the unfavorable loans,through the analysis of its specific circumstances,we can promote the internal management and institutional reform of Agricultural Bank,so that improve the bank management model.At the same time,others commercial banks can also use the Agricultural Bank as an important reference object,learning from their lessons and experience,scientifically develop credit business,and carry out strong control over the non-performing loans.