Non-PerformingLoan (NPL), also referred to as abnormal loan or problem loan, refers to the loan in which the borrower fails to repay the principal and interest of the commercial bank loan on time according to the original loan agreement, or there are signs that the borrower cannot repay the principal and interest of the commercial bank loan on time according to the original loan agreement. China once defined non-performing loans as the sum of non-performing loans, sluggish loans and overdue loans (that is, "one loan exceeds two loans")

2. What does "non-performing loans of commercial banks" mean? How to eliminate non-performing loans

What are the non-performing loans of commercial banks? Can the non-performing loans of commercial banks be eliminated? This is a natural problem in the minds of many people who see this term. What does "non-performing loans of commercial banks" mean? What is concealing non-performing loans? Q: What is concealing non-performing loans? What is a non-performing loan? What is the specific content of CCB's concealment of non-performing loans? Why is there no original report? I am super anxious! ! ! ! ! ! ! Please. ! ! ! What does "non-performing loans of commercial banks" mean? Related comments: Countermeasures for non-performing loans of state-owned commercial banks and research on credit management system Abstract: First of all, the assets of state-owned commercial banks are not optimistic. This paper comprehensively expounds the characteristics and causes of non-performing assets of state-owned commercial banks. Through the in-depth analysis of the characteristics of non-performing assets and credit system of ICBC before listing, it is clear that establishing and perfecting the credit system is the main means and measures to control the growth of non-performing loans. Finally, using the method of drawing lessons from and comparing with foreign commercial banks' credit system, this paper puts forward some opinions and suggestions on the reform of credit management system of state-owned commercial banks. Keywords: write-off of capital adequacy ratio of five types of non-performing loans 1. An analysis of the current situation of non-performing loans in China's state-owned commercial banks 1. 1 Basic concepts of non-performing loans in China's state-owned commercial banks. Non-performing loans refer to loans in which borrowers fail to repay the principal and interest of commercial banks on time according to the original loan agreement, or there are signs that borrowers cannot repay the principal and interest of commercial banks on time according to the original loan agreement. China once defined non-performing loans as the sum of non-performing loans, sluggish loans and overdue loans (that is, one loan exceeds two loans). Since 2002, China has fully implemented the five-level loan classification system, and classified bank credit assets into five categories according to the risk degree of loans: normal, concerned, secondary, suspicious and loss. Non-performing loans mainly refer to subprime, doubtful and loss-making loans. 1.2 estimation of non-performing loans of China Commercial Bank. State-owned commercial banks in China have indeed made a lot of efforts in reducing non-performing loans, such as trying to formulate a strict credit management system, completely procedural reform of credit business, and stipulating indicators for reducing non-performing loans. However, the non-performing assets of state-owned commercial banks are still seriously high, especially the four major state-owned banks. In 2004, the balance of non-performing loans of major commercial banks decreased by 394.6 billion yuan, or 4.56 percentage points, to 13.2%. This ratio has been far higher than the average level of the world banking industry, and the balance and proportion of non-performing loans in the banking system are still at a high level, which not only exceeds the requirements of the Basel Accord, but also falls far short of the requirement that the proportion of non-performing loans in international advanced banks should be kept below 5%. If we consider the relatively conservative figures published by commercial banks in various countries, the asset quality of commercial banks in China can be imagined. Why can't the non-performing loans of commercial banks be eliminated? Question: Please help me. Be as detailed as possible. This document is badly needed. Thank you. The answer is yes. I can get extra points Why can't the non-performing loans of commercial banks be eliminated? Related comments: I wrote a lot, but I still deleted it. I think what I said is only domestic, and the scope is too narrow. Does not meet your requirements. After all, commercial banks are imported from abroad. From the perspective of economic laws alone, foreign banks may be more suitable. Domestic policy is too strong to support your argument at all. But I will give you some advice on the formation of non-performing loans from several aspects: the influence of economic environment, the risk of speculators and internal cases. The formation of each bad debt has its own characteristics, from the initial examination and approval, to the use of funds by enterprises, to the means of bank supervision, and finally to the problems faced by the bank's fund rescue work. What I said is based on what I saw at home, but I don't know much about it abroad. So ... I feel that you need to compare domestic and foreign countries and find out the difference between them. But this range is a bit big, come on! What does "non-performing loans of commercial banks" mean? I. Definition of non-performing loans of banks Non-performing loans of banks refer to loans issued by banks to individuals or enterprises, which are overdue for a long time or even not paid back, resulting in banks being unable to recover their funds for a long time. Non-performing loans can be said to be a "cancer" of banks, eroding their profits or capital and even leading to bank bankruptcy. Second, solve the non-performing loans of banks 1. Commercial banks can use the loan loss reserve and its accumulated surplus to write off bad debts, or they can dispose of non-performing loans by auction of creditor's rights. The key to solving non-performing loans is to strictly control the growth of non-performing loans, improve the profitability of banks, and gradually digest and reduce non-performing loans. 2. Inject funds into commercial banks from outside to resolve non-performing loans. Stripping non-performing loans from the books of commercial banks and handing them over to professional asset management companies for centralized disposal. 1999, China established four financial asset management companies, namely Xinda, Huarong, Great Wall and Dongfang, and stripped off the non-performing loans of the four major state-owned commercial banks at book value 1.39 trillion yuan. In 2003, China began a new round of rural credit cooperatives reform, injecting 654.38+065 billion yuan of special bills or re-loans into rural credit cooperatives to solve its historical burden. Internet hot search words: the meaning of commercial bank loans, bank non-performing loan ratio, commercial bank loans, commercial bank non-performing loan ratio, Bank of Communications does not.