Research On The Causes And Countermeasures Of Bad Assets Of Chongqing Rural Commercial Banks

With the reform of rural credit cooperatives gradually deepening,many rural credit cooperatives in China have been transformed into rural commercial Banks.The rural commercial Banks after the reform are faced with the challenge from the non-performing assets,on the one hand,the management and the liquidation of the non-performing assets of the stock,and on the other hand,the clearing and resolving of the new non-performing assets.The control of the bad assets is the key to the risk control of the bank,which is the embodiment of the bank's competitiveness.Under the current background,this paper selects Chongqing rural commercial bank to study the problem of its non-performing assets.Chongqing bank in the bank is the industry leading level,the business is good,in recent years,however,the data shows that the bank's bad assets ratio and balance of non-performing assets are improved,this article in view of the Chongqing bank non-performing assets problem is studied,through the analysis of the status quo,in turn,it is concluded that the cause of the rising non-performing assets,expectations for other rural commercial bank non-performing assets problem for reference.Based on the analysis of the data of Chongqing rural commercial bank over the years,this paper analyzed and explored its non-performing assets respectively through the five-level classification,industrial concentration and product type,and then found out the main factors affecting its non-performing assets by establishing the multiple regression model.To comb through the United States,Japan and Thailand experience and reference for the disposal of non-performing assets,get the corresponding revelation,in the light of the characteristics of Chongqing bank put forward some targeted Suggestions,finally,based on the full text,combining the present economic situation,proposed the present stage our country rural commercial bank the disposal of non-performing assets of new ideas and measures.The innovation points of this paper are as follows.First,there are few previous studies on the non-performing assets of rural commercial Banks.Second,Combined with the concept of "Internet +" introduced at present,it is suggested to use the Internet as the platform to realize the new mode of "Internet + bad assets" through the integration of channel resources,realize efficient and rapid disposal of bad assets,and speed up the development of rural commercial Banks.