Research On The Non-performing Loan Management Of Commercial Banks During The Economic Transiting Period

In recent years,China has gradually shifted from the stage of rapid growth to the high quality development stage.During the economic transition period,the economic structure adjustment is accelerated,and the financial risk pressure accumulated in the early stage is constantly increasing.The central economic work conference proposed to prevent and defuse major risks,focusing on the prevention and control of financial risks.Under the background of the new era of economy,all the participants in the financial sector need to adapt to the development situation strengthen and coordination,jointly solving the problem of commercial bank non-performing loans,hold the bottom line that the systemic financial risk does not occur.Therefore,this paper analyzes the current situation of non-performing loan management in commercial Banks in China,summarizes its experience and shortcomings,has strong theoretical and practical significance.In this paper,based on the typical practical cases of the Zhengzhou branch of PF bank,we summarizes the non-performing loans management experience and the existing problems of the bank,and connecting with the international practice,providing advice to the relevant units and departments.This paper argues that the bank formed the successful experience of several aspects in non-performing loans management,including the value system of credit investigation,pay attention to execution,accurate analyze the enterprise situation,get government support,improving personnel quality,etc.But at the same time,there are still some problems,including there is still a problem that “ Emphasis on scale performance,ignoring risk management ”,the entire performance of the credit investigation ability needs to improve,industry research remains to be strengthen,management innovation means is not too much.At last,this paper makes suggestions to the participants of the bad loan management in the economic transition period.In terms of government,shall prudently play a constructive role,and improve the ability of supervision and control financial risks,at the same time it need to build a good environment on the policy and law to provide legal license within the scope of the support,finally it need to trying to build a unified and effective credit information platform,for commercial Banks to provide credit information service,and other market main body,reduce the risk of credit activities.In the aspect of commercial Banks,they should pay more attention to the non-performing loan management,and do a good job before,after and after management.It should constantly improve the systems,and the ability of information investigation and examination,and the innovative awareness of the disposal activities of non-performing loans,and the science of credit management.The China Banking Association should consider the construction of a unified platform for the disposal of non-performing assets and provide good services for the commercial Banks.Other relevant market entities should also actively support enterprise restructuring reform and comprehensive package consideration of non-performing loan management in Banks and strive to maximize the overall social benefits.