Research On The Optimization Of Non-performing Loans Management-J Branch Of B Bank

In recent years,China's financial industry has developed rapidly,but there are some problems in financial risk management,mainly the problem of non-performing loans.Bank is the leading industry of finance,which undertakes the important function of financing and capital allocation.Therefore,the management of non-performing loans,to ensure their own steady development,has become an important difficulty for the development of China's commercial banks in the new era.This paper studies the management of non-performing loans of bank B.Bank B is a city commercial bank.Compared with large-scale state-owned commercial banks and joint-stock commercial banks,its risk management ability is weak.As a first tier city,J has more complex financial risks.Therefore,it is significant to select bank B Branch J as the research object.This paper introduces the basic situation,non-performing loans and their management of bank B Branch J.According to statistics: in the past five years,the growth rate of non-performing loans of bank B Branch J is faster than the disposal speed,resulting in the non-performing loan balance rising constantly.In order to find out the problems existing in the non-performing loan management of bank B Branch J,this paper adopts the following methods: the first step is to investigate the cases of non-performing loan of legal person in the past five years by sampling survey method,and preliminary collect the influencing factors of the non-performing loan management of bank B Branch J;the second step is to manage the non-performing loan of bank B Branch J by fuzzy analytic hierarchy process according to the steps of risk management The third step,combined with typical cases,expounds the problems in the management of non-performing loans.At present,the main problems of non-performing loans in Branch J of bank B are:misappropriation of credit funds,distortion of risk classification,overestimation of collateral,limitation of disposal path of non-performing loans,and unreasonable pricing of non-performing loans disposal.In view of the problems found,this paper analyzes the corresponding causes.Through analysis,the main reasons are: information asymmetry,low comprehensive quality of the credit team,dependence on external evaluation institutions,lack of non-performing loan disposal pricing unreasonable,the above reasons lead to the problems of non-performing loan management of bank B Branch J.In view of the problems existing in the non-performing loans of Branch J,the paper puts forward optimization suggestions: using big data technology to reduce informationasymmetry: comprehensively collecting customer data,reducing information asymmetry,building an intelligent risk control system,monitoring risk dynamics;improving the risk management awareness of the credit team,increasing the training of risk management talents;establishing a scientific internal evaluation system,and isolating the external operation wind Risk,through regular revaluation to predict the risk of changes in the value of collateral;establish a standardized non-performing assets valuation system,clear the valuation standard and basis,realize the reasonable pricing of non-performing assets and non-performing loan claims,and improve the disposal income;use the Internet to broaden the disposal path of non-performing loans: use the Internet transaction matching platform to expand the publicity scope and benefits of the non-performing loan claims and the non-performing loan claims Use the Internet data service platform to dig the debtor's property clues,use the fund service platform to solve the problem of fund shortage,and improve the management level of non-performing loans of branch J through the above five aspects.