Strategies For Rural Commercial Banks To Deal With Enterprises' Escaped Debt

Along with the economic downturn,the phenomenon of Chinese enterprises avoiding and repaying bank debts has been on a growing trend,with new features such as constantly updating methods and increasing influence.This is not conducive to the healthy development of commercial Banks,nor to the stability of financial industry and market economy.If we do not severely crack down on and punish enterprises' behaviors of evading and repaying bank debts,it will bring huge financial risks and hidden dangers,and even cause losses to the implementation of China's economic strategy.Enforcement in this paper,the integrated use of enterprises,commercial Banks,asset management,risk management and the basic theories and methods such as optimal sequence financing,in jiangsu province,the current situation of the development of rural commercial bank non-performing loans and corporate enforcement status quo,on the basis of comprehensive analysis,in-depth analysis was carried out on the enforcement of commercial Banks,has been clear about the commercial Banks face the reason of the enforcement of enterprises,performance and internal mechanism,explores the countermeasures against enterprise enforcement risk in commercial bank,to build a theoretical framework for the commercial Banks to deal with enterprise enforcement problem,It is of great guiding significance to improve the management of commercial Banks,enhance business efficiency,guarantee financial stability and development,and promote regional economic growth.Through the study of this paper,the following conclusions are drawn:first,strengthening the system reform and system construction is the fundamental way to improve the commercial Banks' response to the corporate waste.We need to accelerate institutional reform and thoroughly improve the status quo of the two-level independent legal person system of "provincial joint agency--grass-roots agricultural and commercial bank" by adopting the joint bank model to reform the management model of rural and commercial Banks.The second is to strengthen the risk management of commercial Banks,the market environment faced by scientific analysis for Banks,fully realize the internal and external market environment,timely grasp the market opportunities and threats faced by commercial Banks,clear its advantages and disadvantages,fully realize the challenge,to be able to timely grasp the change of market environment,improve the strain capacity.Thirdly,to solve the problems of the rural commercial bank in X city,jiangsu province,in the aspect of enterprise escaping from waste debts,we need to scientifically design long-term development strategies,build a strict review mechanism for credit issuance,explore the cooperation mechanism among commercial Banks,and entrust a third party to develop medium-and long-term development plans.Fourth,the management of the rural commercial Banks in the development of enterprises to escape from waste debt phenomenon,need to play the role of multiple subjects.We should not only speed up the construction of public service platforms,but also give play to the role of local governments.We should strengthen the role of county governments in communication and coordination,build a platform for effective cooperation between Banks and enterprises,promote the formulation and implementation of financial support policies in county areas,and improve the mechanism for selecting the best and eliminating the worst.