Research On The Disposal Of Non-performing Assets Of A Rural Commercial Bank

Commercial banks often go through various operational risks in their operations,and the generation of non-performing assets will put commercial banks at the risk of economic crisis.With the development of domestic commercial banks,the internal non-performing assets of domestic commercial banks are also gradually increasing.The increase of non-performing assets not only restricts the future development of commercial banks,but also imposes certain constraints on domestic economic development.First of all,the background and significance of the research are introduced.By referring to relevant literature at home and abroad,it is found that domestic non-performing assets researches focus on disposal strategies and methods.Instead,foreign non-performing assets researches focus on risk management and supervision improvement.Secondly,through the analysis of the generation and the current disposal methods of the non-performing assets in A Agriculture and Commerce Bank,it is pointed out that the main causes of the generation of non-performing assets are the bank's own mismanagement,malicious corporate fraud,imperfect social credit system,and unsound supervision mechanism.The current disposal methods have many big problems such as imperfect internal management mechanisms of commercial banks,high litigation execution costs,and large side-effects of write-offs.Thirdly,from the perspectives of government and the banks themselves,the disposal methods of non-performing assets in the United States,Japan,and South Korea are analyzed combined with the disposal methods of non-performing assets in China to pave the way for the subsequent disposal methods of non-performing assets of A Agriculture and Commerce Bank.Finally,referring to the disposal methods of non-performing assets at home and abroad,this paper proposes to use the “joint assistance” to the non-performing asset securitization to establish a subsidiary company to resolve and dispose of the non-performing assets in A Agriculture and Commerce Bank.It also proposes to ensure the quality of disposal methods and control the growth of non-performing assets from the perspectives of strengthening team building,perfecting information disclosure,improving non-performing asset pricing and reinforcing supervision and coordinating efforts.