Research On Management And Control Of Non-Performing Loans For ZY Bank

In recent years,small and micro enterprises have become an important force driving the development of China’s real economy and promoting the steady growth of the national economy.The party’s 20 report to support the development of micro,small and medium enterprises,so in the national support policies and their own development needs,commercial Banks development of small micro enterprise credit business,help small micro enterprise solve the problem of survival and development,but affected by the particularity of small micro enterprise own,small micro enterprise credit business risk also followed,produce small micro enterprise non-performing loans continue to increase,non-performing loan ratio is high,bring serious challenges to the survival and development of commercial Banks.The report to the 19th CPC National Congress proposed that preventing and defusing major risks should be the primary battle in the three critical battles,and the key to major risks lies in financial risks.so,how commercial banks implement effective control over the non-performing loans of small and micro enterprises and then promote their own benign development has become a realistic proposition to be solved urgently.ZY bank is a city of Henan province commercial bank branch,the small micro enterprise non-performing loan balance and non-performing loan ratio is the rising trend year by year,and ZY bank small micro enterprise non-performing loans existing control effect is not significant,problems gradually exposed,therefore,the urgent need to optimize ZY bank small micro enterprise non-performing loan controls.With the purpose of in-depth study on the non-performing loan control of small and micro enterprises of ZY Bank,this paper conducts a survey on the non-performing loan problems of small and micro enterprises of ZY Bank through interview survey,literature research and other methods,and carries out data analysis on the results of the questionnaire.first,This paper introduces the research background and significance of the non-performing loan control of small and micro enterprises of commercial banks,On the basis of sorting out the interview survey,literature research and other methods,and carries out data analysis on the results of the questionnaire.first,This paper introduces the research background and significance of the non-performing loan control of small and micro enterprises of commercial banks,On the basis of sorting out the non-performing loan control data of small and micro enterprises at home and abroad,Determined the research content and research method of non-performing loan control for small and micro enterprises of ZY Bank;next,In-depth research on the theory of non-performing loan control for small and micro enterprises,Provide theoretical basis for the study of non-performing loan control of small and micro enterprises of ZY Bank;once more,Take ZY Bank,for example,Conduct an in-depth study on the non-performing loan control of small and micro enterprises of ZY Bank,Find out the bank’s problems in the control of non-performing loans of small and micro enterprises,And analyze the causes of the problem;last,In view of the problems existing in the non-performing loan control of small and micro enterprises of ZY Bank,Provide the improvement measures,In order to reduce the risk of non-performing loans of small and micro businesses of ZY Bank,Improve the risk management capability of ZY Bank,Provide reference for other banks to solve similar problems.