民生银行不良资产处置策略研究

Study on disposal strategy of non performing assets of Minsheng BankAbstractCommercial banks are an important part of the financial system.The stable development ofbanks will directly affect the operation of the financial system.The balance of non-performingloans and non-performing loan ratio of commercial banks are one of the important factorsaffecting their stable development.There is a close relationship between the stable operation ofbanks and their non-performing assets.At the same time,it is positively related to the stabledevelopment and continuous progress of China's social economy.Since 2012,China's economicgrowth has slowed down gradually,the government has continuously adjusted and optimized theeconomic layout and economic structure,and the national economy has been developing towardsa high-quality and healthy direction.At the same time,the scale of non-performing assets ofcommercial banks has gradually expanded,and commercial banks are once again facingproblems and challenges in dealing with non-performing assets.In recent years,the scale ofnon-performing assets and non-performing loan ratio of most commercial banks in China are onthe rise,but the risk prevention index non-performing loan provision ratio is on the decline yearby year,which is close to the minimum level required by the CBRC.How to reduce the scale ofnon-performing loans of commercial banks and how to deal with non-performing loans are thebasis of affecting the future development of commercial banks.Due to the expansion of the scale of non-performing loans of commercial banks,it has beenpaid great attention by the financial community.Under the impact of the epidemic in 2020,thepressure on non-performing assets of commercial banks in China has increased significantly.Inthe future,the policy of monetary policy directly to real economic instruments will be graduallywithdrawn,and the non-performing loans of commercial banks are facing a great reboundpressure.Many scholars generally believe that how to deal with the non-performing assets ofcommercial banks is imminent.Therefore,it is very important to deal with the bad assets.Basedon this,this paper studies the disposal strategy of non-performing assets of Minsheng Bank.Firstly,the background and significance of the thesis,the current situation of domestic andforeign research,and the research content and methods are briefly summarized;Then,the paperintroduces the mode of non-performing assets disposal,then analyzes the status and causes ofnon-performing assets of Minsheng Bank,summarizes the existing non-performing assetsdisposal effect and deficiency of Minsheng Bank.Finally,according to the successful experienceof disposing non-performing assets at home and abroad,the paper puts forward correspondingcountermeasures and suggestions for the disposal of non-performing assets of Minsheng Bank.Key words:Non performing assets,disposal mode,risk management