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1、AppliedEconomics,theDrydenPress,2006P75-78.Non-performingLoansManagementandRecoveryWilliamJ.BaumanandAlanS.BlinderAbstractWiththedeepeningofChina'seconomicsystemreformdevelopmentandcontinuousimprovementofthesystemofthemarketeconomy,banks'lendingbusinessbecomescompletelyopentoindivi
2、duals,personalloansofbusinessgrowing,continuestoexpandthescopeofbusiness,especiallythedevelopmentofindividualhousingloanmorequickly.PersonalhousingloanbusinessinChinaatthetimeofitsdevelopment,therearebadcreditrisksaswellasthecompetitivesituationisnotoptimistic,toacertainextent,hamp
3、erthedevelopmentofindividualhousingloans,tosustainabledevelopment,researchmanagementmustbestrengthenedonanumberofissues.Thisarticlefromthecurrentdevelopmentstatusofindividualhousingloanbusinesstostart,pointedoutthatbecauseoftheexistingproblemsaswellasproblemsandfocusonhowtodevelopp
4、ersonalhousingloanbadcreditriskreduction,foreignexperiencesandlessonslearned,andthoughtsandcountermeasuresformanagement,topromotethehealthyandrapiddevelopmentofthebusiness.Keywords:Housingloanstoindividuals;Badcreditrisks;presentsituation;problem;Countermeasure1.IntroductionUnderth
5、efive-categoryloanclassification,substandard,doubtfulandlossloansaredefinedasnon-performingloans.Becausethereasonsbehindnon-performingloansformationaredifferent,creditassociatesmusttakeeffectivemeasurestomanage,recoveranddisposeofthesepartsofassetaccordingtotheirdifferentcharacteri
6、stics.Thebankshouldfirstfindouttheresponsibilitiesoftheguarantoranddisposeofthesecurityintime.Onlywhentheyconfirmthattheguarantorhaslosttheguaranteeabilitiesandthesecurityisnotsufficienttopayofftheloan,cantheybegintodisposeofthenon-performingloans.-11-2.ReasonsTherearemanyreasonswh
7、ybankshavepoorlyperformingloanportfolios.Irrespectiveofthesecauses,bankshaveanobligationtoshareholders,depositorsandcreditorstomaximizecashflowfromassets,themosttroublesomeaspectofwhichhasbeenthepoorrecordofbanksinrecoveringloans.Itisthisfactorthathascontributedthemosttobankinsolve
8、ncy,andliquidityconstraint
