Research On The Prevention Of Non-performing Loans In H Rural Commercial Bank

With the continuous development of the market economy and the financial industry,the prevention of non-performing loans has been paid more and more attention by commercial banks.The rural commercial banks have become the main force in rural finance because of their particularity,which plays an important role in supporting the development of local finance.Loan business is the main business of the rural commercial bank,loan business profits is also the main source of its operating profit,which determines the profit level and the overall development of rural commercial bank,so the loan quality has become the focus.H rural commercial bank is the only rural commercial bank in H City,due to economy,history and their own reasons,the amount of non-performing loans and non-performing loan rate is high.As a typical representative of small and medium-sized legal person financial institutions in H city,the non-performing loans of H rural commercial bank will likely affect the security and stability of financial industry in whole H City.Therefore the analysis of non-performing loan status and the causes of non-performing loans of H rural commercial bank,from the external and internal comprehensive study of countermeasures for optimization of non-performing loans.For optimizing loan structure of rural commercial banks,reduce business risks,enhance their market competitiveness and optimize the whole H City financial industry environment has very important practical significance.This article is divided into five parts.the first part mainly introduces the research background and significance,the relevant theoretical research at home and abroad,the research methods and framework,innovations and deficiencies of the article;the second part introduces the basic situation of H rural commercial bank,the non-performing loans status and non-performing loan status characteristics;the third part analyze the causes of non-performing loans from the outside,H rural commercial bank,the borrower in detail;the fourth part based on the analysis of the status and causes,and from the government,financial regulation agencies,loans to the inventory and the external environment,resolve the overcapacity to propose external precautionary measures.Raise some internal measures like optimize loans,enhance staff awareness of bad loans and strengthen the internal control of H rural commercial bank.Put forward countermeasures and suggestions to prevent the non-performing loans;the fifth part is summary of the article.This paper aims to solve the problem of non-performing loans protection in H rural commercial bank.It is more important to contain risks before non-performing loans occur than to take measures after the emergence of non-performing loans.In the future operation,H rural commercial bank should pay close attention to the changes in the external economic environment.Deal with complex and diverse financial business development.To implement the regulatory requirements of the government and the financial regulation agencies.H rural commercial bank should combine with their own actual situation,improve the internal control process,optimization and innovation of the loans structure,improve the professional quality of employees to prevent non-performing loans from the aspects of production.