Research On The Causes And Disposal Measures Of Non-performing Loans In China's Commercial Banks Under The New Normal

NPLs have always been a common problem facing the healthy development of commercial banks in many countries in the world.It has also frequently occur in multiple countries with history of closely related to the financial crisis,the western developed countries earlier studies of non-performing loans,the inherent fragility hypothesis,information asymmetry theory,bank behavior theory,such as academic achievements,countries such as the United States,Japan and South Korea also took in practice as the government set up specialized disposal,public auction non-performing loans,bonds convertible effective measures,such as to the disposal of non-performing loans has played a certain enlightenment function.The causes of non-performing loans in commercial Banks in China are more complicated and there is no unified and effective solution to the solution of non-performing loans,The problem of non-performing loans also affects the sustainable development of commercial Banks in China.In the early stage,the government paid enough attention to the large amount of non-performing loans,Successively established Cinda,Great Wall,Orient and Huarong four asset management companies,The non-performing loans of the big four Banks were effectively eliminated.To some extent,it alleviates the non-performing loan problem in China's banking industry.But in recent years,under the new normal economy,economic growth,industrial structure adjustment and development of dynamic change,the influence of the economic environment,etc,increasingly large amount of non-performing loans of commercial Banks in China,as China's economic structure and orderly adjustment,economic development and healthy operation of a challenge,and so on in the economy of the cause of our country commercial bank non-performing loans under the new norm analysis and resolving measure research has important practical significance,at the same time,a can solution to the problem of our country commercial bank non-performing loans,to maintain China's financial stability,defuse financial systemic risk,improve the competitiveness of our country commercial bank plays an important role.At first,this research briefly discusses the research background and significance of non-performing loans of commercial Banks bad loans the concept and classification of systemic analysis,this paper measures of disposal of non-performing loans abroad experience.Then the concept and features of the new normal discussed,non-performing loans of commercial Banks in China under the new normal economic formation reasons are analyzed in detail,and then focus to China construction bank,A branch as an example,according to A branch of the non-performing loans historical data and case disposal results to the cause of the bad loans made A comprehensive analysis and disposal measures,finally,through the above analysis,put forward the prevention and disposal of our country commercial bank non-performing loans policy recommendations.