Research On The Non-performing Assets Disposal Of National Joint-stock Commercial Banks

In recent years,National joint-stock commercial banks has been strong development momentum and has achieved a series of remarkable achievements,but there are still many problems,such as the problem of non-performing assets.More efficient disposal of non-performing assets in National joint-stock commercial banks plays an important role.It reduced financial risk due to unreasonable financing structure and meet the demand of diversified financial services.It also improved the competition strength of National joint-stock commercial banks.The rational and efficient disposal of non-performing assets of National joint-stock commercial Banks is helpful to improve the ability to prevent financial crisis and ensure stable operation and sustainable development of the banking sector.It's also helpful to provide support for the optimization of the structure of the Chinese economy.This paper improves the disposal efficiency of non-performing assets and minimizes the loss of non-performing assets through the analysis of the status and causes of non-performing assets of National joint-stock commercial banks,looking for problems in the disposal of non-performing assets,analyzing the disposal strategies of domestic commercial banks,and extracting their useful experience to further exploring countermeasures for the disposal of non-performing assets in National joint-stock commercial banks.The paper firstly analyzes the domestic and foreign research on the disposal of non-performing assets,summarizes the research framework of the thesis,and puts forward the shortcomings and innovations.Secondly,clarifies the theoretical basis of the disposal of non-performing assets in National joint-stock commercial banks from the angle of financial vulnerability theory,bank behavior theory and information asymmetry theory.Thirdly,analyzes the non-performing loan ratio of national joint-stock commercial banks is rising,the overall quality of assets declines and found that the main reasons for the non-performing assets include insufficient government support,poor business management,deficiencies in bank supervision mechanism,inadequate internal banking management system,in addition to the economic downturn.Then,analyzes the disposal status of the non-performing assets of the national joint-stock commercial banks and point out the main problems.The disposal of non-performing assets still faces the challenges of inadequate marketization,moral hazard and adverse selection,delayed construction of the rule of law and lack of innovation.After analysis of the countermeasures of non-performing assets disposal of commercial banks in the United States,Nippon,Korea and Europe,points out key factors such as policy support,introduction of foreign capital,integrated disposal,internal management system.Finally puts forward the countermeasures to improve the disposal of non-performing assets from the angle of external environment,supporting system and internal innovation.In general,on the basis of the increase of non-performing loan amount and non-performing loan rate of National joint-stock commercial banks,this paper puts forward some measures to improve the disposal of non-performing assets.From the perspective of the external environment,building diversified non-performing asset markets,strengthening the supervision of loan concentration and attracting foreign capital.From an internal innovation perspective,we need to develop non-performing assets with the internet,increase the business scale of debt-for-equity swaps,and accelerate the securitization of non-performing assets.In terms of supporting systems,we need to enhance policy support,establish professional institutions for the disposal of non-performing assets,build a scientifically sound incentive mechanism,strengthen loan risk management system,improve personnel quality.