Causes and countermeasures of non-performing loans in rural commercial banks?

1. Causes and countermeasures of non-performing loans of rural commercial banks?

Of course, it is because of special institutional problems.

Rural credit cooperatives were originally owned by the People's Bank of China, and then entrusted to the Agricultural Bank for escrow. In the mid-1990s, rural credit cooperatives were decoupled from the Agricultural Bank and managed by the local government and the People's Bank of China.

The biggest reason for this is that rural credit cooperatives were originally established in towns and villages, and local enterprises, residents and the government participated in the shares. Under this system, development is empty talk. Even management difficulties, a large number of non-performing loans and even bad debts are still restricting development.

To put it bluntly, at that time, the director of the rural credit cooperatives put the official seal in his bag and lent it wherever he went.

This is the first problem. The system cannot be implemented and supervision is absent.

In addition, due to weak capital, even in the dormant accounts in the 1980s, bad debts have been unresolved for many years, and it is impossible to write off bad debts with profits, which has been a drag on development.

Since the new century, credit cooperatives have merged into county associations, which have initially possessed the ability to resist risks. After 20 10 years, local rural commercial banks were basically established. At this time, the provincial rural commercial banks can not be promoted because of personnel and tax payment problems. At present, the development of rural commercial banks in key cities is accelerating, but the problems of original capital and bad debts are still unresolved.

Most of the non-performing loans generated by rural commercial banks are the responsibility of the leadership. Leaders don't take responsibility, evade problems, the management system is not compliant, and the upper supervision mechanism is lacking. It is impossible to strictly pursue the responsibility of large-scale non-performing loans, allowing incompetent people to continue to serve as leaders, resulting in non-performing loans in rural commercial banks.

The amount of non-performing loans of loan officers is only tens of thousands of yuan, and millions, tens of millions or even tens of millions of loan officers will get the support of senior management! If you only pursue tens of thousands of loan officers, after deducting the performance of wages, the losses caused by the top management will be made up by reducing wages. What management methods? Why not investigate the responsibility? On the contrary, the salary of senior managers is too high! The top management handed the task of collecting non-performing loans to the loan officer. Is it useful to charge thousands of dollars? Daily assessment of the reputation, but a large amount can not be collected, full of senior management problems, will blame, protect the official position, let employees carry the pot and pay the bill.

Rural commercial bank is a local commercial bank reformed and established by rural credit cooperatives. Rural credit cooperatives were established earlier, in the early days of People's Republic of China (PRC). At first, they were just mutual funds organizations in which farmers took shares, and later they gradually developed into rural credit cooperatives. Later, he accepted the leadership of the Agricultural Bank and co-located with it. 1995, agricultural bank and rural credit cooperatives were separated, and rural credit cooperatives were established at the county level, leading rural credit cooperatives in various towns and accepting the supervision of the People's Bank of China. However, due to the lack of leadership experience of newly established county-level cooperatives and the low personal ability and quality of individual executives, various rules and regulations are not perfect. Even though some rules and regulations have been formulated, they have not been seriously implemented, which has led to the fragmentation of credit cooperatives. In particular, the directors and credit personnel of some township credit cooperatives have issued a large number of human loans, fake loans, cross-regional loans and household loans, which has rapidly deteriorated the asset quality of credit cooperatives and produced a large number of non-performing loans. Some credit cooperatives are on the verge of bankruptcy. After losing the development opportunity of 10 for many years, the rural commercial banks were gradually reorganized by setting up the provincial association to lead the rural associations of counties and cities. We will implement the corporate governance structure of separation of powers among chairman, president and supervisor, establish and improve various rules and regulations and business operation procedures, and gradually put all businesses on the right track. Compared with other banks, the development of all businesses shows a trend of catching up. However, due to the heavy historical burden, there are a lot of non-performing loans, which restricts the development of rural commercial banks. Cleaning up non-performing loans has become an important task for rural commercial banks. All rural commercial banks have set up assets to protect all assets, deployed elite forces to protect and collect non-performing loans, and achieved certain results. But in order to get better results, we must take more measures at the same time. First of all, it is necessary to increase the reward for the collection of non-performing loans, reward those who have contributed to the collection of non-performing loans, and form an atmosphere for all employees to collect non-performing loans. The second is to increase the intensity of litigation, so as to be able to sue to the fullest, leaving no dead ends. We can't let borrowers have any illusions and urge them to repay the loan as soon as possible. The third is to mobilize social forces to participate in the collection, increase publicity, and let everyone know that trustworthiness is glorious and dishonesty is shameful. Remodeling the rural credit system. In a word, while supporting and serving "agriculture, countryside and farmers", rural commercial banks must strictly control financial risks in order to develop better.

Most non-performing loans are caused by human factors. Rural commercial banks have high loan interest rates and small credit lines, so many high-quality customers will not choose to come to rural commercial banks for loans, so the loan quality is poor.

Rural Commercial Bank is also a credit cooperative: it is also a bank that nobody hurts, but many people are skinned and farmers. After 70 years of development, the bad things formed cannot be turned into companies, and state-owned banks have assets. No matter how they change, they will go where they can't live. Bad things can't be digested and loans are limited. If they have money, they can't be released, they will die.

There are many reasons for the non-performing loans of rural commercial banks. There may be many non-performing loans in developed township enterprises, and there are many people running enterprises in some developed townships, so the loan scale is also large. After years of development, some towns and villages may be the hardest hit areas of non-performing loans.

The loan scale of a branch1200 million yuan. Some of these enterprises really need loans from banks. Banks are honest enterprises, while a few enterprises are large-scale corporate borrowers. They first expropriate land and then make grand plans to make money, so as to earn political capital and become entrepreneurs. In the end, the bank got a loan,100000 borrowers owed the bank respect, and the borrowers paid the loan interest on time, with tens of millions of loans. Maybe this person has a big shelf and loans hundreds of millions, especially banks. It is the predecessor of the bank. At the beginning, the leaders of the matchmaking department who greeted the loan and the decision-makers who signed the loan have all turned around beautifully, and the big lenders have gone downhill. It is too difficult for the current branch presidents to collect loan interest, and sometimes business owners can't find them.

Some local headquarters leaders don't want to be the negative role of coordination. If the leaders of local head offices come forward to coordinate with the government to revitalize non-performing loans, the pressure on the heads of grass-roots branches will be less. Some of these bosses have corporate loans of more than hundreds of millions in various banks and can control everything. If they come to ask for loan interest, it can make the people in charge of this work at the grassroots level more than one bargained for. Because the loan is not issued by the current branch president, some people who have made loans want to be good people from it, and some leaders of the head office dare not offend large borrowers, but if the monthly report fails to complete the task of collecting loan interest, they will also deduct the salary of employees and the performance appraisal of grassroots leaders.

For example, some rural commercial banks cannot charge loan interest, and some enterprises are mostly big borrowers in various banks. Now they are the ancestors of banks. Some rural commercial banks have asked Liu, chairman of the board of supervisors, to recover non-performing loans. Only in this way can he know how difficult and helpless the employees working in the front line are, and he can understand a bleak life that he hopes to collect loan interest at the end of the month and delay medical treatment. I won't treat a husband who delayed seeing a doctor in order to collect more bad loans at the end of the month. He was still working the day before he got sick. 15 16 years, he was rated as an excellent party worker, and his work for many years is world-famous. He was rated as an excellent * * * party member, and advanced workers are role models for the whole bank. He has been in the rural commercial bank for 33 years!

Why was the director so cold when I walked into his office? I saw his heart shaking. He looked like a king. Do people drink tea to cool down too fast? Are you worthy of the employees' families? What you did also made others feel cold. You even risked your life to collect bad loans. In the eyes of some leaders, it doesn't matter whether you are kind enough to reassign a middle-level leader. In the future, who is willing to work hard to collect non-performing loans for rural commercial banks? It's so stressful to eat financial meals now!

Life makes me humorous. I can still get an inheritance from my beloved husband in my life. This is probably the saddest legacy in the world. When I signed the document, my hands trembled and I couldn't write my name. In addition, I have now become a natural shareholder of rural commercial banks. You are so cold and sorry about your identity!

It is the glorious tradition of rural commercial banks to be enthusiastic about quality service, expand business and do a good job. The old employees of rural commercial banks love their jobs and have achieved good results in quality service. Should they be treated with courtesy when they are enthusiastic about the outside world? I know I don't need my husband to go to heaven. Some procedures took two years to complete, because I couldn't get into the gate of the head office of Rural Commercial Bank. When I see their uniforms, I will think of my husband. I thank some employees of the head office of rural commercial bank for wiping my tears when I went through the relevant formalities. Some employees even made tea for me and handed me paper towels. Thanks to my husband's former colleagues! They kindly went through the relevant formalities for me, so thank you for your prayers.

The reason for poor performance is the inability to repay debts. Interest costs should be reduced or reduced, and measures to prevent risks should precede honesty.

Misappropriation of funds from other depositors to fill the hole.

Second, analysis of factors related to the recovery rate of non-performing loans in banks

Non-performing loan ratio This indicator calculates the caliber data of local and foreign currencies. ? Calculation formula: non-performing loan ratio = (loans with doubtful loan losses)/loan: The five-level classification data of loans are mainly based on the Guiding Principles of Loan Risk Classification (Yinfa [2001] No.416) and the requirements of CBRC's "Opinions on Promoting and Perfecting Loan Risk Classification No.03" No.22. The definition of a normal loan is that the borrower can fulfill the contract and repay it in full and on time. The definition of concern loan is that although the borrower has the ability to repay the principal and interest of the loan at present, there are some factors that may adversely affect the repayment. There are obvious problems in the secondary power, and it is impossible to fully repay the loan principal and interest by relying entirely on its normal operating income, that is, the loss is determined. A suspicious loan is defined as the use of a loan to enforce a guarantee, and it must also create a feeling that the principal and interest cannot be recovered after all possible procedures are taken. By definition, the latter three types of loans are non-performing loans. Loan bill financing, securities repurchase from non-financial institutions, trade financing, factoring, overdraft, financial leasing, letter of guarantee advances, letter of credit advances, acceptance advances, guarantee advances and other on-balance-sheet businesses. Non-performing assets ratio This indicator calculates the caliber data of local and foreign currencies. Ending balance of production/ending balance of total assets × 100%? Interpretation of indicators, combined with the market value of assets, historical average recovery rate and other factors, the definition of non-performing loans that can reasonably be expected to suffer losses is consistent with the definition in the non-performing loan ratio index. The classification criteria for non-credit non-performing assets shall be formulated separately by the CBRC. Total assets refer to the bank's balance sheet, which is not obvious on the capital balance sheet, and the above two indicators are only calculated based on the balance sheet when it comes to excess reserves. In a particular datagram.

Three, the bank non-performing loan recovery rate analysis of related factors

Bad loan ratio

This indicator calculates the caliber data of local and foreign currencies.