对江苏农商银行不良率激增原因及解决策略的研究——以建湖农商银行为例

Research on the Reasons for the Rapid Increase of Non-performing Rate of Jiangsu Rural Commercial Bank and Its Solution Strategy——Taking Jianhu Rural Commercial Bank as an example

根据江苏建湖农村商业银行披露的《2019年度同业存单发行计划》显示,截至2018年11月底,该银行的不良贷款率已经从2017年末的1.96%升至4.81%,而与此对应的拨备覆盖率则由2017年末的154.15%降至83.99%。针对建湖农村商业银行不良贷款率激增的现象,分析其背后的原因,进一步探究相应的解决方法,能够合理高效的解决不良贷款余额和不良率激增的问题。

It shows that the non-performing loan ratio has risen from 1.96% at the end of 2017 to 4.81% and the provision coverage ratio has decreased from 154.15% at the end of 2017 to 83.99% of Jiangsu Jianhu Rural Commercial Bank, according to the 2019 Inter-bank Deposit Issuance Plan disclosed by Jiangsu Jianhu Rural Commercial Bank. This paper analyzed the reasons for the phenomenon of the nonperforming loan ratio of Jianhu Rural Commercial Bank, and explored the further corresponding solutions, which could reasonably and efficiently solve the problem of non-performing loan balance and nonperforming rate surge.