Study On Management Of The Non-performing Loans In Rural Cooperative Bank Of S

According to the data published by China Banking Regulatory Commission(CBRC),up to the end of third quarter,the balance of non-performing loans of commercial banks was 11,863 hundred million.Compared with last quarter,there is an increase of 944 hundred million.The rate of non-performing loans is 1.59%,which is 0.09 percent higher than that of last quarter.Report released by International Financial Research Institute of Bank of China predicts listed banks' rate of non-performing loans will reach 2% in 2016.Non-performing loans also put great pressure on Rural Cooperative Bank S.Although the managers attach importance to the management of non-performing loans and emphasize the liquidation and disposal of non-performing loans,the efficiency and effectiveness is not appreciable.It is of great necessity to study the management and control of non-performing loans.The comprehensive risk management system from the United States in 90 s the rise of the last century to overcome the traditional risk management model of risk control is not comprehensive and many other issues,in recent years has been widely used in many domestic and foreign well-known commercial banks.This article through the analysis of S rural cooperative banks non-performing loan management problems,trying to design principles based on the whole process of loan management,to build a suitable S rural cooperative banks non-performing loan management system.This paper mainly research the current problems of diagnosis of non-performing loans S rural cooperative bank management system,in accordance with the management of the whole process of loans for the design principle,through the construction of reasonable management of non-performing loans and other means to build a new system for non-performing loan management system of S rural cooperative bank,and puts forward the non-performing loans of S rural cooperative bank points the management system needs to pay attention in the subsequent implementation process,and put forward the corresponding measures for the possible problems in the implementation process.Through improved non-performing loan management system to avoid further spread of non-performing loans S line.