Research On The Formation And Related Countermeasures Of The Non-performing Loan In Guangzhou Branch Of G Bank

The non-performing loan ratio(NPLR)is an important indicator to evaluate a commercial bank's asset quality and business performance.As shown in the latest data released by China Banking Regulatory Commission(CBRC),up to the end of 2015,the industry-wide non-performing loan balance of commercial banks rose to RMB 1274.4 billion with a large increase of 51.2% compared with that in the end of 2014;the NPLR was 1.67% with an increase of 0.42 %.With the continued deterioration in the quality of bank assets,the prevention and control of non-performing loan has become a focus concerned by all banks again and is also a focus of work for a period of time in the future.Based on the concept and related basic theories of non-performing loan as well as its work,this paper analyzes Guangzhou Branch of G Bank,the object of study.Firstly,a comprehensive analysis is made on the non-performing loan status of Guangzhou Branch of G Bank and its non-performing loan features is concluded based on the conditions of five-class classification,industrial distribution and regional distribution of non-performing loan.Next,the formation reasons for the bank's non-performing loans and its bugs of all sorts in prevention of non-performing loan are analyzed in combination with specific cases from macro factors,borrower and interior factors of the bank.Finally,this paper puts forward effective suggestions for preventing the NPLR rising and for resolving current non-performing loans,and suggests to strengthen the risk management over the full flow of credit business,improve lending officers' comprehensive quality and perfect the business evaluation and assessment mechanism etc.when preventing non-performing loans;as for resolving non-performing loans,this paper puts forward non-performing asset securitization,establishment of professional clearance teams and improvement of financial innovative power and other measures.All the above suggestions are combined to achieve the goals of practically preventing credit asset risks and improving the non-performing status of Guangzhou Branch of G Bank.