A Studyonthe Causes And Resolutions Of Non-performing Loans Of Chengdu Branch Of D Commercial Bank

Non-performing loan means loans with default,generally,overdue loans for three months or more.Non-performing loan has a significant impact on the operation and development of banks,and it has been considered as an important indicator to measure the operational risk of banks.Due to the late start and rapid development of China's commercial banks,long-term extensive operation makes non-performing loan become an important hidden danger for the stable operation and development of banks.With the continuous development of economic globalization and the deepening of the market economy,China's competition among banks is becoming increasingly fierce.To maintain long-term competitiveness in this fierce field,business stability is the cornerstone of competition.The increase of non-performing loans not only reduces the profitability and operating efficiency of financial institutions,but also seriously threatens their operational stability and security.If this problem is not scientifically resolved,it will threaten the stability of the entire financial market,as well as lead to the financial crisis potentially.Therefore,the in-depth study and analysis of reasons for the increasing non-performing loans,and actively exploration to prevent and dissolve non-performing loans,can not only be conducive to the long-term stable development of banks,but also show great practical significance to the healthy operation of the entire financial market,as well as the national economic security.This paper takes a total of 204 NPL data from D bank Chengdu branch from 2007 to 2017 as samples.According to the specific condition of D bank,analyzes the present situation and causes of non-performing loans.What's more,six variables were selected: whether to grant credit in different places,whether to lend money personally,whether to mortgage,whether to change the use,whether to involve in housing and the amount of loan,so as to analyze the key factors affecting the default time of D bank Chengdu branch and the extent of its impact.The analysis results show that the loan principal has the mortgage guarantee,exists the long-distance credit,does not change the capital use or involves the real estate to extend the loan default time,and the long-distance credit has the most significant impact.paper further explores the effective countermeasures by comparing the domestic and foreign commercial banks with D bank's typical disposal cases.Finally,the countermeasures to resolve the bad loans of D bank Chengdu branch was put forward from the two aspects:the banks and enterprises,which will be of great practical significance for Chengdu Branch of Bank D to effectively guard against financial risks,improve operating efficiency and promote long-term stable development.