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Research on the Measures to Resolve Non-performing Loan of Baishan Agricultral Development Bank of China

Author: TaoYuan
Tutor: SunZuo
School: Jilin University
Course: Business Administration
Keywords: Non-performing loan maket localization business structure internal controlsystem
CLC: F832.31
Type: Master's thesis
Year: 2013
Downloads: 38
Quote: 0
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Abstract


The agricultural development bank of China as a support the policy Banks ofagricultural and rural development is mainly to the state of development ofagriculture, improve rural living environment and improve farmers’ living standard,grain cotton and oil industry and related agricultural support project funding. Nationalcredit as guarantee of the bank capital operation, at the same time to raise funds andproxy allocated funds for supporting agriculture financial business.In view of baishan branch has been sticking to the policy loans, grain cottonand oil as main business, and at the same time in the traditional guarantee businesscapital needs, steadily developing commercial loan business, make full use of baishanregion as food geographical environment, the examination of baishan rely on naturalresource advantages of the development of the enterprise management status,in-depth investigation and analysis to develop new business comes in, trying to findsuitable for their own development of long-term strategic cooperation partners.However, the bank of baishan branch in the process of development of commercialloans, face is not only the credit system, the allocation of resources and personnelquality promotion, more important is the limitation of baishan region’s level ofeconomic development and state-owned Banks and other banking financialinstitutions to the existing market segmentation and business development of nearly saturated state, in the analysis of the change of market economy, credit managementinsufficiency, the personnel quality needs to be promoted and function orientation ofcommercial loan business development faces many challenges in such aspects asfuzzy.Research on non-performing loan problem is not only to the bank of baishanbranch of answers to questions encountered in the current development bottleneck ofmanagement idea and management mode of reviewing. How to manage thenon-performing loans, effectively improving the quality of credit assets, play apolicy-oriented funds use efficiency, is the bank of baishan branch need to thinklong-term and continuously review the topic. As the grain circulation system reformgradually deepening, increasingly diversified, grain cotton and oil market main body,the external environment of the bank management, customer base, the demand forcredit, profound changes have taken place in the original policy business graduallyatrophic, into a dilemma of stagnation, low benefit, performance is: the loan quality todrop, non-performing loans increased, operating loss serious credit risk; Frompersonnel of course of irregularities and inverse process to deal with such asoperation risk; Internal management decision-making level is limited, the internalcontrol functions can not play to manage risk. The bank internal control system,reduce the management risk, thus achieve the purpose of controlling non-performingloans, improve the management level, perfecting the governance mechanism ofinternal control, will in line.Improve the bank the defense capability of the internal and external risks, notonly demands of its, in accordance with the regulations and rules for the steadyoperation, more need for the development direction of agricultural policy bank foraccurate positioning and comprehensive consideration of the overall pattern ofChinese banking system. This article through to the bank in the economicdevelopment and the important functions of the bank of baishan branch pushing effect on the local economy, expounds the problem existing in the development of the bank,especially the problem of non-performing loans in the future development and impacton the economy, from the bank and baishan city branch of the organization structure,business structure and business development in three aspects of the bank introducesthe basic situation of baishan city branch, and the present situation and existingproblems in this loan business, from the dislocation of the loan business and strategicplanning, resource allocation and development speed mismatch and the symmetry ofinternal control and risk consciousness structure difference of three direction analysisthe bank baishan branch of non-performing loans. And targeted puts forwarddevelopment direction in market positioning, rationalize the allocation of resources,the risk early warning mechanism, adjustment and four aspects of the effectivemeasures to strengthen internal control management, is conducive to further improvethe bank baishan branch credit management level, rich double control measures andmanagement ideas of non-performing loans.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > People's Bank of China
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