1. The imperfect market mechanism distorts the economic behavior of the government, enterprises and people.
2. Some state-owned enterprises are seriously short of funds, and bank loans are used as basic funds.
3. Distorted credit concept.
Second, the internal factors of state-owned commercial banks contributed to the increase and expansion of non-performing loans.
1, the loan management mechanism is backward and self-binding is not enough.
2. The loan risk monitoring mechanism is not perfect.
Operation method of non-performing loans
1. The bank shall set up a special institution or designate a special person for collection, and intensify the write-off of non-performing assets.
2. State-owned enterprises can implement shareholding system reform.
3. Carry out credit learning and education activities in enterprises, banking departments and the whole society.
4. State-owned commercial banks should gradually implement joint-stock system.
5. Deal with non-performing loans layer by layer.
6. Adjust the credit structure and increase the review of non-performing assets.
7. Establish an incentive and restraint mechanism to restrain people's behavior.