1, the bank can't enter the asset restructuring bank on time (according to the severity of non-performing assets, the bank can choose bankruptcy liquidation or according to the predetermined time limit) and in full (according to the predetermined rate).

2. The bank credit assets formed after bank loans do not conform to the principles of safety, liquidity and profitability, and are in overdue, sluggish and bad state, and some loans are risky.

3. The bank can't recover or not return the loan received normally.

4. It refers to the bank assets that can not bring normal interest income to the bank in time or even recover the principal under good operating conditions, mainly referring to non-performing loans, including subprime loans and their interest, doubts and losses.

5. Banks can't get interest income and recover the principal of assets in time.

6. The bank's asset management is not good, mainly non-performing loan assets, and the bank cannot recover the loan principal and interest in time. Include overdue loans, sluggish loans and non-performing loans.

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The danger of non-performing assets of banks

Huge amounts of non-performing assets have caused the following hazards to state-owned commercial banks:

1. Affect the bank's capital turnover. Especially in the case of austerity or deposit decline, banks cannot increase their positions by recovering loans, which often leads to payment difficulties and affects the reputation of banks.

2. thus causing the loss of bank assets. Even if the pawn can be converted into cash, there is a certain amount of money loss. Inventory assets restrict the turnover of funds, so that bank funds can not be used for projects with high yield, which is a loss to the bank's financing sources.

(3) lead to the deterioration of the financial situation of the bank. The impact on banks' non-performing financial assets is twofold. On the one hand, the more loan interest is not repaid, the bank will pay the interest and other related expenses of the money according to the facts. On the other hand, the national financial system stipulates that whether interest is paid within a certain period of time should be included in operating income. Therefore, the more interest the enterprise has, the more serious the phenomenon of false profits and real losses of banks will be.

4. Rational allocation of social resources. Capital is the dominant factor, and the efficiency of sedimentary allocation cannot be exerted, which directly affects the realization of the whole national economic benefit.

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Measures for the administration of non-performing assets of banks

1. Reasons for the formation of the stripping system of non-performing credit assets. The state should take out an alternative resource compensation for the institutional debts of banks and enterprises, and change loans into investment enterprises, which means that enterprises cannot repay bank loans and change them into investment enterprises, mainly referring to the loan defaults of some large enterprises related to the national economy, people's livelihood and social stability. 2. Professionals will carry out corporate banking. Professional corporate banks aim to establish an operating mechanism with clear property rights, no one knows, no government administrative intervention, self-risk, self-discipline, self-financing and self-development. Adhere to the principles of liquidity, safety and profitability of funds, and conform to the operating principles of state-owned commercial banks from system to function.

3. Build state-owned enterprise groups and promote the reorganization of enterprise assets. Enterprise group is a kind of enterprise organization form under the requirement of modern production scale economy. The best scale of production, the lowest cost and benefit, it not only gathers huge productivity through joint efforts, but also produces a joint effect that it is difficult for a single enterprise to meet the requirements of modern economies of scale quickly. At the same time, its organization fully embodies the flexible management of commodity economy. With a fast and advanced development model, enterprise groups develop faster than any other organizational form and play a role in economic life.

Under the benefit of economies of scale, there are two main modes of intensive production of enterprise groups: one is the scale expansion of a single enterprise, and the other is the reorganization of enterprises through mergers and acquisitions. A powerful group company, which has become the mainstream group company to meet the requirements of market economy development.

The government should have strong leadership and planning on the reorganization of enterprise assets, and realize the restart of resources through joint venture, cooperation, grafting and reorganization. At the same time, the bank's creditor's rights must be implemented to achieve the purpose of credit assets.

4. Strengthen bank credit management. Prevention and management of credit asset risks Every loan should be investigated before lending, reviewed during lending and checked after lending, and the loan management responsibility system must be implemented to strengthen credit management. First, clarify the responsibilities of relevant personnel, and establish a president responsibility system, a separate examination and approval system, a hierarchical examination and approval system, and an outgoing audit system, thus reducing business risks. The second is to correct the phenomenon of light management of their respective loans, realize the fundamental change from extensive to intensive management mode, improve the management level and risk management level, especially to prevent and reduce the increase of non-performing credit assets.

5. according to the loan. Firstly, the autonomy and legitimate rights and interests of commercial banks are legally guaranteed, and the government's administrative intervention in banks is put an end to; Next, banks should be supported to collect loan principal and interest, and if necessary, legal means should be used to protect the legitimate rights and interests of banks against the actions of enterprises that erode bank assets, such as evading the opportunity of debt restructuring or not paying back wealth or auctioning mortgage items in disguise.

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