Research On The Disposal Of Non-performing Loans In China’s Commercial Banks

In recent years,with the rapid development of China’s commercial banks,they have also accumulated a certain amount of operational risks,which is reflected in the continuous increase of the scale of non-performing loans.Therefore,the effective disposal of non-performing loans has become an important issue for all banks.As the development of China’s capital market is not mature enough,loans from commercial banks is most domestic enterprises’ main way of financing.China’s commercial banks play a pivotal role in the national economy.It is of great significance for maintaining the stability of the financial system and the healthy development of the national economy to keep the quality of commercial banks’ credit assets healthy and stable and to actively and effectively dispose of non-performing loans.Now the disposal efficiency of NPL in China’s commercial banks has not improved as fast as the growth rate of the NPL in commercial Banks.Many problems show in the disposal of NPL need to be solved.In the face of the surge of nonperforming loans,commercial banks often use various methods to delay the exposure of NPL,hide and cover negative disposal of non-performing loans.Based on some typical problems in current situation of the NPL disposal and the typical case of the NPL disposal loans in commercial banks of china,this paper analysis the reason of negative disposal of NPL and puts forward policy suggestions of improving the disposal of non-performing loans.The research of this paper has theoretical and practical significance in improving the disposal efficiency of nonperforming loans in commercial banks,as well as ensuring the steady operation of commercial banks and maintaining the financial stability of the country.The typical cases of negative disposal of non-performing loans also provide some new research directions for analyzing the causes of non-performing loans.