| In recent years,thanks to the national policy support for the cross-regional operation of city commercial banks,the asset scale of the city commercial banks in Off-site branch in China has grown rapidly.However,for Chinese city commercial banks in Off-site branch of the central and western regions,their own internal control and risk control level is not high,and there is a big gap between them and the large commercial Banks and the eastern city commercial bank on the economic environment and governance level,making them face greater risk control pressure.They also expose many problems especially during the economic downturn.This thesis is developing from the perspective of Z city in the Midwest,studying the causes and risk control of non-performing bank loans,which is beneficial to promote the development and stable operation of the Midwest underdeveloped city commercial bank in Off-site,and to better support and promote the Midwest underdeveloped economic development and local financial stability.Therefore,the research of this thesis has certain theoretical significance and practical application value.This thesis uses a combination of literature research method,statistical analysis method,interview and questionnaire survey method and case analysis method to study the causes and risk control of non-performing bank loans in Z city.First of all,the research status of domestic and foreign scholars is reviewed,the causes,effects and risk control status of non-performing loans of commercial bank are summarized,and then the relevant concepts and theoretical basis of non-performing loans and risk control are explained and expounded.Secondly,the current situation and problems of non-performing loans in the Off-site branch of The City Commercial Bank in Z City are analyzed to understand the causes and the existing problems in risk control.Then,taking CD Bank in Z City Branch as a case,sort and analyze a total of 164non-performing loans business in this bank during 2014-2020 as a sample.At the same time,interview and questionnaire survey on personnel of bank credit are made.Find problems through experience,deeply understand the main causes of non-performing loans and key risk points.Finally,from the perspective of Z city commercial bank off-site branch,the risk control measures for the non-performing loans of city commercial banks in Z City region are proposed from multiple perspectives based on the problems of non-performing loans and the causes of non-performing loans in CD Commercial Bank Z City Branch.The research results show that the generation of non-performing loans in Off-site branches of Z City Commercial Bank comes from both internal reasons and external reasons outside the bank.In view of the various causes of the problem of non-performing loans,this thesis starts from the business process of credit "three checks",strengthens the construction of internal control and compliance management,adopts other risk control methods and targeted risk control optimization suggestions,and proposes the problems of risk control and optimization countermeasures in the three links before,during and after the loan.The Off-site branch of Z City Commercial Bank should start with the non-performing loan problems and the current situation of risk control,and constantly strengthen the construction of internal control and compliance management to further improve the risk control ability,so as to further consolidate its own steady operation and rapid development. |
