Research On Countermeasures For Non-Performing Loans Control Of ICBC Anyang Branch

As the world's economic growth slows,China's economic development is also facing greater resistance.The scale of non-performing loans and non-performing loans of commercial banks also show an upward trend,and gradually approach the minimum requirements of financial supervision.Therefore,preventing and defusing the risks brought about by the increase in non-performing loans and controlling the bank's non-performing loan ratio have become an important task for commercial banks.This paper takes the research object of ICBC Anyang,and through survey and interview,annual report analysis and other methods,understands the general situation and scale classification of non-performing loans of Anyang Branch,and grasps the types of non-performing loan distribution of branches,focusing on the analysis of non-performing loans of ICBC Anyang Branch.Control measures,summed up the existing problems: Because the business is very difficult to operate,many companies are unable to recover their investment,the operation has a certain loss,the bank loan can not be recovered in time,and the bank collection means is relatively simple,without taking a strict pre-lending,loan And post-lending regulatory measures,so the number of non-performing loans is increasing,and the ability to mitigate credit risks has become weaker.Then,this paper analyzes the reasons for the problems caused by the non-performing loan control of ICBC Anyang Branch.The financial environment is deteriorating,the number of corporate credit guarantee violations is seriously increased,and the internal non-performing loan control mechanism is also lacking,resulting in the rapid rise of non-performing loans and poor financial management.The situation has deteriorated.Finally,in order to improve the control level of non-performing loans of ICBC Anyang Branch,relevant improvement measures are proposed,including strengthening the source control ability of loans,adopting various means to collect loans,improving the loan risk assessment ability of enterprises,and more accurately judging the enterprises.Business conditions,strengthen post-lending supervision,and improve the overall process control ability of bandwidth.The improvement of non-performing loans of ICBC Anyang Branch needs to strengthen its protection from various aspects,so as to promote the function of the policy,optimize the organizational structure within the bank,establish a strict internal risk control team,establish a strict internal control system,and strengthen the training and introduction of risk personnel.,build a strong non-performing loan control team,which can promote the implementation of the policy.