The Optimization Countermeasures Research Of Non-performing Asset Disposal Of ZG Bank XX Branch

After 1978,China's commercial banks have entered a rapid and stable period of evelopment.The rate of non-performing assets has always stayed in a reasonable range.lowever,since China enters the period of development force change,structure transformation nd risk release in 2014,the economic development stars to slow down with the characteristics f low growth,low inflation and high leverage.The industry overcapacity stands out gradually.t the same time,with the increasing strength of market clearing,and the implementation of the olicies of de-capacity,de-stocking and de-leverage,the operating pressure of enterprises further icreases.Many product organization are experiencing operating losses.The situation of product uspension occurs constantly.The major commercial banks that provide financial support are icing the unfavorable situation of increasing risk of credit assets,deterioration of assets quality,ramatic growth of non-performing assets,as well as the double pressure of management and ontrol.Under the serious situation,the constantly narrowing of net interest margin level,the nsufficient business development and the formation and the increase of non-performing assets lso appear in the ZG bank XX Branch.Both the effectiveness and profitability of the bank's'apital have been declined and weakened,which affect the health,order and sustainable evelopment of the bank.So how to effectively dispose the non-performing assets,enhance the bility of non-performing assets disposal,improve the efficiency of non-performing assets isposal,control the increase of non-performing assets,protect the asset quality of the bank,and chieve the asset value creation and value accumulation have become the urgent problem.This thesis adopts comprehensive methods,such as literature review and field research to onduct the research about the non-performing assets disposal of ZG bank XX Branch in terms f the integration of theory and practice.First,it describes the research background,research urpose and research significance,and confirms the necessity of the research.Meanwhile,iteviews the domestic and foreign literature and fully understands the current research status.econdly,it introduces the concept of non-performing assets and the quality classification of redit assets.It also presents the connotation,principle and relevant theory of non-performing ssets disposal and lays the solid theoretical foundation for further research.Then,it introduces ne basic condition of ZG bank XX Branch,and understands the bank's current quality of the credit assets through various data collection.It demonstrates the serious condition of the bank's non-performing assets,deeply analyzes the cause of the formation of its non-performing assets,points out its damage and negative influence,and indicates the importance and necessity of the non-performing assets disposal.Then it selects several cases in terms of non-performing assets,to demonstrate the methods adopted by ZG Bank XX Branch related to the disposal.On this basis,it concludes the problems of ZG Bank XX Branch during the process of non-performing assets disposal,such as the limitations of traditional disposal method,shortage of professional talents,imperfect performance appraisal system and the risk management which needed to be strengthened.Finally,it provides countermeasures and suggestions in terms of innovation of the disposal method,enhancement of talent training,improvement of the performance appraisal and strengthening the risk management.It also presents corresponding supporting measures from the perspective of outside,personnel,information,risk control and management,and demonstrates the significant information indicator of result tracking and evaluation.