Research On Non-performing Loan Disposal Of Jinan Rural Commercial Bank

In the new period,the disposal of non-performing loans of commercial banks has become a major problem facing the development of commercial banks.Therefore,it is of important value to study the commercial development of commercial banks on how to deal with non-performing loans better and faster,and to explore ways to deal with non-performing loans of commercial banks.Based on the above analysis,this paper takes Jinan Rural Commercial Bank as the research object to conduct an in-depth investigation on the disposal of non-performing loans in commercial banks.Through investigating the disposal of nonperforming loans in Jinan Rural Commercial Bank,we will identify and analyze the current disposal problems.It is hoped that this study provides experience in handling bad loans for other commercial banks.The paper studied the disposal of non-performing loans in Jinan Rural Commercial Bank,and studied from the following horizons.The first is the clue,clarifying the research ideas for the research framework of the paper.The second is an overview of the relevant theories.It is the foundation of the paper.Moreover,the current situation of non-performing loans of Jinan Rural Commercial Bank studied and analyzed the development of loan business of Jinan rural commercial banks and the change of non-performing loans of Jinan Rural Commercial Bank respectively.Then there is the current situation and problems of non-performing loans disposal in Jinan Rural Commercial Bank.Among them,the research work on the current situation of non-performing loan disposal in Jinan Rural Commercial Bank was carried out from the two perspectives of non-performing loan disposal process and non-performing loan disposal method.After preliminary research,the problems existing in non-performing loan disposal in Jinan Rural Commercial Bank are the lack of targeted plan for non-performing loans,imperfect non-performing loan disposal process,relatively single disposal method of nonperforming loans,high disposal efficiency and low efficiency.Then,the typical cases of the bank’s non-performing loans were analyzed to further verify the problem of non-performing loan disposal in the previous article.Finally,the Jinan Rural Commercial Bank nonperforming loan disposal plan.First of all,confirm the basic principles of the non-performing loan disposal of the bank,design the non-performing loan disposal plan from individuals and enterprises,and further optimize the good loan disposal process.Finally,the formulation of the safeguard measures for the disposal of non-performing loans is proposed from strengthening the construction of the talent team,strengthening the construction of the internal credit environment,improving the non-performing loan management mechanism and rescuing the non-performing enterprises.