Study On The Causes And Countermeasures Of Non-performing Loans Of Rural Commercial Bank Of Y City

The issue of "agriculture,rural areas and farmers" has always been the top priority of the work of the Party Central Committee.As a major means of promoting the construction of "agriculture,rural areas and farmers",rural loans have promoted rural economic development,boosted farmers' income,accelerated the construction of a new socialist countryside,and reflected Rural financial development and other aspects play an important role.As the most important local rural financial institution,the rural commercial bank has always been the main force of local support for agriculture and agriculture,and the agriculture-related loans account for the vast majority of its overall credit business.In recent years,as economic development enters a new cycle and some industries enter the downward stage,industry risks are constantly exposed,and the quality of credit assets in the banking industry is also facing new challenges.The rural commercial banks of Y City are facing the risk of increasing non-performing loans.It is very necessary to analyze the causes of good non-performing loans and to study the countermeasures for non-performing loans.As a member of the rural commercial bank of Y City,I have a deep understanding of the causes of non-performing loans of rural commercial banks of Y City and the disposal of non-performing loans.With the continuous expansion of the scale of agricultural loans of rural commercial banks in recent years,the management requirements for non-performing loans are also getting higher and higher.The problems of the rural commercial banks of Y City are also exposed to the problem of non-performing loans.I use literature analysis methods,research interviews,case analysis methods and data analysis methods to analyze the causes and effects of problems.At the same time,combined with relevant theories and some of the typical cases of non-performing loans involved in the work of previous research,and combined with the experience of domestic and foreign counterparts,the internal and external aspects of the analysis of the causes of non-performing loans of rural commercial banks,including external macroeconomic Impact and problems arising from internal assessment mechanisms.At the same time,combined with the actual work,some solutions to the non-performing loans of the rural commercial banks of Y City were proposed,including strengthening the information disclosure mechanism and using asset securitization to dispose of non-performing assets.As a city along the Yangtze River Delta,Y City,its shipbuilding industry and its accompanying subsidiary industries are the pillar industries of the local manufacturing industry,and also a relatively labor-intensive industry.In recent years,due to the macroeconomic and other factors,the shipbuilding industry Both of its affiliated industries have been affected by different degrees,especially the bankruptcy of the Eastern Heavy Industry,which has brought a large non-performing loan problem to the Y city banking industry.This paper takes the development of the shipbuilding industry as a breakthrough.Taking the case of the bankruptcy and reorganization of Dongfang Heavy Industry and the actual operation status of a supporting chain production enterprise as an example,combined with the perspective of its own work,it puts forward some practical suggestions from the macro level and the operational level.From the research results,this article provides some practical and feasible reference methods for rural commercial banks to better control non-performing loans and improve the collection of non-performing loans.On the other hand,it also provides partial reference for local economic development.The firm has made its own contribution to the dual development of risk control and business.