Research On The Non-performing Loans Of Changde Rural Commercial Bank

As financial reforms continue to advance,commercial banks must guard against systemic risks in order to achieve sustainable development.Non-performing loans are the most important risk assets in commercial banks,which seriously affect the stability and liquidity of commercial banks and hinder the rapid development of commercial banks.As an important part of the rural financial institution system,rural commercial banks have always had higher non-performing loan ratios than other commercial banks.If they do not take timely measures to solve them,they will not be conducive to their normal operation and management,and even bankruptcy risks.Therefore,taking Changde Rural Commercial Bank as an example to study the problem of non-performing loan management has certain practical significance.The paper takes Changde Rural Commercial Bank as the research object,and comprehensively understands the current situation of non-performing loans of Changde Rural Commercial Bank through field visits and data access.It is found that the non-performing loan management of Changde Rural Commercial Bank has imperfect credit internal control mechanism and weak loan management measures.The quality of management personnel is not high.Then,it deeply analyzes the internal and external influencing factors of the non-performing loan management of Changde Rural Commercial Bank,finds its root cause,and lays a foundation for further improving its non-performing loan management level.Finally,the paper draws on the outstanding achievements of non-performing loan research,not only to strengthen internal management,but also to improve the risk management mechanism,strict loan approval process,follow-up loan management,improve the overall quality of personnel,and continuously optimize external supporting measures,such as improvement.Financial laws and regulations,transformation of management systems and the creation of intelligent credit platforms.Through the research of the thesis,the application scope of the non-performing loan management theory is expanded,and the professional theory and credit management of the school are organically integrated.The research of the thesis hopes to guide Changde Rural Commercial Bank to improve the management level of non-performing loans,and provide useful reference for other commercial banks to strengthen the management of non-performing loans,and to ensure the safety and effectiveness of credit assets.