Research On Strategies For Improving The Disposal Of Bad Debt Write-off By ZY Bank Henan Branch

The development of banking and financial business has accelerated the expansion of lending scale,and also produced a large number of non-performing assets,which will not only restrict the development of banks themselves,but also restrict the development of the entire financial industry,thus affecting the process of China’s national economy.With the marketization trend of commercial banks,it is increasingly important to transform the preservation of non-performing assets into the self-digestion of commercial banks,speed up the disposal process of non-performing assets,and enhance the competitiveness of commercial banks.Affected by the economic downturn in recent years,the scale of non-performing loans and bad debts of commercial banks has continued to increase.The emergence of large amounts of bad debts has not only caused losses to banks’ own operations,but also inhibited the development of China’s national economy.Therefore,it is of great significance to strengthen the write-off and disposal of bad debts.This article takes ZY Bank Henan Branch as an example to study and analyze the development trend of credit asset quality and the disposal of non-performing loans in recent years.It compares the effectiveness of various asset preservation and disposal methods,and explores the necessity of disposal measures for bad debt verification based on bad debt cases.It points out the important role of bad debt verification in disposing of non-performing assets,and combines questionnaire surveys and interview methods,Further in-depth exploration of the shortcomings and improvement points in the promotion of bad debt verification and disposal by the bank shows that the bank still needs to increase its efforts in bad debt verification and disposal,strengthen the construction of disposal teams,improve the timeliness of application and review,have many obstacles in the verification and disposal,and have a low tax reporting rate for bad debt verification and disposal.Based on the analysis of the causes,optimization suggestions are proposed.Firstly,increase the management requirements for bad debt verification and disposal;Secondly,promote the construction of professional personnel teams;Thirdly,improve the speed and timeliness of verification and application review;Fourth,actively promote the resolution of pain points in the handling of bad debt verification and cancellation;Fifth,timely carry out the pre tax deduction of written off asset losses.The improvement strategy of this article focuses on practicality.By analyzing and researching the improvement strategy of bad debt verification and disposal,on the one hand,it can further increase the amount of bad debt verification and disposal of ZY Bank Henan Branch,and on the other hand,it is hoped to provide some reference and suggestions for other retail commercial banks to increase the disposal of bad debt verification and disposal.