| In recent years,China’s economic growth has slowed down,and economic development has entered a new normal.In this context,affected by the downturn of the national economy,commodity prices in Inner Mongolia fluctuate greatly,market risks intensify,enterprises are in trouble in production and operation,unable to repay bank debts due on time,regional risks and credit risks are increasing,non-performing assets of banks are rising,and asset quality is seriously challenged.Non-performing loan is an important index for evaluating the assets quality of commercial banks.In the financial system,banks are the most important.The sound quality of their assets and sound management will have a great impact on the overall financial market and even economic development.Effective management and control of non-performing loan is an important objective of commercial banks’ operation and management.Reasonable and effective disposal of non-performing loan is an important goal of commercial banks’ operation and management.Section A is an important means to stabilize financial markets and prevent systemic financial risks.Based on the summary and analysis of the economic development of Inner Mongolia in the past ten years,according to the development process and characteristics,as well as the development law of the main industries in Inner Mongolia,this paper summarizes the customer risk,industry risk and regional risk in Inner Mongolia,and deeply excavates the impact of the above risks.Then,it focuses on the credit risk analysis of a bank branch in Inner Mongolia Autonomous Region.To the internal and external causes of the non-performing loan of the commercial bank,then it introduces the disposal methods of the non-performing loan commonly used by the commercial bank at present and the disposal cases of the non-performing loan at home and abroad.Finally,by comparing different disposal methods,combining with the latest innovative disposal methods and cases,it puts forward suggestions on disposal methods on the premise of solving practical problems and maximizing benefits.The disposal plan is designed,focusing on the analysis and exploration of the mode of "debt-to-equity swap" and "asset securitization".The purpose of this paper is to find an effective way to solve the problem of non-performing loans in stock by summarizing the means and methods of dealing with non-performing loans,further accelerate the process of dealing with non-performing loans and improve the effect of dealing with non-performing loans.In addition,by reflecting on the lessons learned from management,we can enhance the ability of risk early warning,identification and response,improve the level of risk management,improve the quality of credit assets,and change the management and development.The mode of exhibition is green finance,science and technology finance and inclusive finance. |
