Study On Non-performing Loan Management Of A Branch Of China Construction Bank

The world economy downward trend on the whole,although China’s GDP growth is higher than other major countries in the world,but the outbreak,the influence of such factors as the future development are still of great uncertainty,domestic enterprises especially the private enterprise survival difficult,the profitability of varying degrees of decline,the cash flow nervous,problems with the ability to repay the loan,commercial Banks in the country has increased support under the call of the real economy,increasing supply of credit,at the same time the total amount of non-performing loans of commercial Banks and the trend of the defective rate also rose.There are various ways for commercial banks to collect non-performing loans,but it has little effect to reduce the non-performing loans and the non-performing loan ratio.The problem of non-performing loans is one of the problems that commercial banks still need to solve urgently.The core content of this paper consists of three parts.The first part systematically sorts out the relevant theories of non-performing loan management by different domestic and foreign researchers.The second part,this paper combined with the construction bank,A branch of non-performing loans,the causes of bad loans from the Angle of inside and outside the bank,this paper argues that the causes of bad loans from Banks internal mainly include personnel,system problems,management problems,external view mainly are from the bank credit environment problem,problem of enterprise management,etc.In the third part,this paper makes A comparative analysis of the NPL disposal models,compares the effects of various NPL disposal models with the disposal examples of Bank A of China Construction Bank,and puts forward the NPL disposal model that should be tailored accordingly.This article from the construction bank,A branch as an example,the basic situation of the construction bank in recent 3 years causes were A branch of non-performing loans in the form of case has carried on the detailed introduction,at the same time and with the way the bank non-performing loans are expounded,the effect of from the perspective of enterprise management,bank management point of view,the domestic market in-depth analysis the business environment in other ways,combining the banking problems of bad management,this paper puts forward the constructive Suggestions.At the same time,this paper puts forward the following measures and suggestions for the future control and disposal of non-performing loans from a macro perspective: to create a good macro credit environment,strengthen the risk prevention ability of banks,sharing innovation among financial institutions;At the same time,the current financial technology and other means should be used to improve the bank’s ability to obtain information,and the professional quality and ethics of employees should be constantly trained to reduce the bank’s non-performing loans.