Study On The Governance Of Non-performing Loans In Huaiyin District,Huai’an

The emergence of non-performing loans has puzzled the smooth operation of the economy and restricted the quality of social service.In the process of promoting the construction of the credit society and the high-quality development of the society in the new era,we must pay attention to the research on the governance of the non-performing loans,so as to provide more effective impetus for the healthy development of our society.Through the methods of literature analysis,investigation analysis and comparative analysis,it is shown that the problem of non-performing loans in Huaiyin District of Huai’an City is more prominent due to the imperfect social credit information sharing mechanism,the increased risk of non-performing loans caused by the implementation of local policy loan tasks,and the insufficient efforts to crack down on non-performing loans in accordance with the law,which is mainly reflected in the weak credit awareness of the lender and the delayed default behavior;The risks of agriculture related industries are increasing,and there is uncertainty in repaying loans in full and on time;Non performing loans are mainly newly increased,and the number of newly increased non-performing households is large.The existing governance measures in Huaiyin District mainly include strengthening the support of local governments and optimizing the social environment;Strengthen tracking and supervision to help enrich people’s income;Perfect the decision-making mechanism and strengthen the construction of internal control;Promote multi department linkage and do a good job in risk prevention.The survey shows that there are still some problems in the governance of non-performing loans in Huaiyin District of Huai’an City,such as inadequate social integrity publicity and education,unbalanced urban and rural development affecting the efficiency of financial resources,and insufficient law enforcement by government departments.It is necessary to further transform the administrative functions of the government and actively optimize the business environment;Perfect the legal guarantee system and strengthen the construction of judicial environment;Strengthen the construction of social credit system and optimize the credit system;Improve services to promote industrial integration and focus on supporting the development of the real economy;Strengthen risk early warning and create a good financial ecological environment.