Research On The Influence Factors And Prevention And Control Countermeasures Of Non-performing Loans Of Rural Commercial Banks

Under the new normal,along with the macroeconomic downturn and the structural reform of supply side,the non-performing loans of commercial banks are rising rapidly,among which rural commercial banks have the highest non-performing loan ratio.However,the rural commercial banks in China play an important role in the rural financial system of our country,and their credit delivery has great support for small and micro businesses,agriculture,rural areas and farmers.Therefore,the research on the non-performing loans of the rural commercial banks is of practical significance.In the study of non-performing loans,most literatures consider the whole aspect of banks,but ignore the difference between regions and the particularity of rural commercial banks themselves.Therefore,based on the data of some rural commercial banks in Jiangsu Province,this paper analyzes the characteristics of non-performing loans in rural commercial banks in Jiangsu,Northern of Jiangsu and South of Jiangsu,and analyzes the influencing factors of non-performing loans and the problems existing in prevention and control.This paper analyzes the present situation of non-performing loans from three aspects of the total amount of non-performing loans,the structure and the hidden bad loans.It is found that the ratio and total number of non-performing loans in Jiangsu increase year by year.The rate of non-performing loans in Northern Jiangsu is relatively high,and the total number of non-performing loans in South of Jiangsu is increasing greatly,and the degree of loan loss is relatively high.Through the analysis,the increase in non-performing loans of rural commercial banks was mainly affected by the downturn in the macro economy.In addition,easing policies,Jiangsu is a big manufacturing province,private lending activity,heavy historical burden on banks,diversified operations,concentrated lending and mutual guarantees,diversified operations,concentrated lending and mutual guarantees,these factors also non-performing loans.Therefore,this paper uses the panel data of 16 rural commercial banks in Jiangsu Province from 2013 to 2016 as a sample,and selects indicators such as the macro economy,annual percentage of loss-incurring enterprises above designated size industrial enterprises in jiangsu province and diversification level,loans to concentration,to make an empirical analysis of jiangsu as a whole,Northern of Jiangsu and South of Jiangsu.The empirical results show that the macro economy has a significant negative impact on the non-performing loan ratio and has the greatest impact on the non-performing loan ratio.The higher the level of enterprise loss and diversification,the higher the rate of non-performing loans of rural commercial banks in North Jiangsu.There is a positive correlation between the concentration degree of loans,the concentration of customers and the overall non-performing loan ratio of jiangsu.Various factors have more influence on the non-performing loans of rural commercial banks in Northern Jiangsu.Finally,according to the empirical results and the problems in prevention and control,this paper proposes that rural commercial banks should enhance their risk resilience to adapt to the new normal of economy.Secondly,rural commercial Banks,especially in northern jiangsu province,should pay attention to the prevention and control of risks when pursuing diversified development.Thirdly,the bank needs to implement management to prevent non-performing loans.Fourthly,the bank should should use the Internet and data to innovate risk control mode.Fifthly,the bank should take measures to accelerate the non-performing loan solution.Sixthly,to strengthen supervision,support and guidance,such as the local government should actively prevent enterprise capital chain problems due to macro economic downturn and regulators should also pay more attention to less developed areas of rural commercial bank,differentiated instruction in different areas.