Problems And Suggestions Of Non-Performing Loans Of Rural Commercial Banks In D City

In recent years,in the case of the economic downturn coupled with tighter regulation,the pressure of non-performing loans of commercial banks has increased,and the problems of non-performing loans have emerged in an endless stream,which has a great impact on the safety and stable operation of the banking industry’s own assets,regional financial stability,and the steady development of the real economy.There are 11 rural commercial banks in D City,and the overall non-performing loan rate has remained high for many years,which is much higher than the average level of non-performing loans of banking institutions in the jurisdiction.Many rural commercial banks have been listed as high-risk institutions,and there is an urgent need to effectively prevent and deal with the problem of non-performing loans.the thesis takes non-performing loans of rural commercial banks in D city as the research object,and analyzes the existing problems and countermeasures.Firstly,the thesis summarizes the theory and research results of non-performing loans by referring to the relevant literature at home and abroad.Secondly,the thesis systematically analyzes the current situation and characteristics of non-performing loan of rural commercial banks in D city through collecting the relevant data of non-performing loans.Finally,combined with the investigation of the operation and management situation and the review of public information,the thesis deeply explores the influence of internal and external factors on non-performing loans,and uses principal component analysis,multiple linear regression analysis and other methods to analyze the influence of various factors on non-performing loans.It is found that the principal component factors of the proportion of non-performing loans,the proportion of large loans and the filing rate have the greatest impact on the non-performing rate after the reform of rural commercial banks,and that strengthening the effectiveness of internal control to reduce the occurrence of non-performing loans and improving the filing rate of risky loans and the recovery rate of execution have a positive role in controlling and disposing of the non-performing loan rate.After analyzing the influencing factors of non-performing loans of rural commercial banks in D city,the thesis puts forward some countermeasures and suggestions from both internal and external aspects.Internally,we should make reasonable decisions,establish sound and prudent business preferences,build a compliant and efficient institutional mechanism,and create a stable foundation for operating benefits;Externally,we should form a working mechanism among banks,governments,industry management,regulatory authorities and other parties to share risks,give full play to the restraining force of the market,and regulatory authorities should transform from compliance supervision to prudent supervision to improve the scientificity and effectiveness of controlling non-performing loans.