因此，本文以GD银行为研究对象，运用实地调研法、案例分析法等方法对GD

Therefore, this article takes GD Bank as the research object, using field research methods, case analysis methods and other methods to study GD Bank's non-performing loan management. Based on the related concepts and theories of non-performing loans, the article analyzes the overall situation of GD Bank's non-performing loans from the basic situation of non-performing loans, the process of non-performing loan management and the disposal of non-performing loans. Both the total amount of non-performing loans and the rate of non-performing loans have shown an upward trend. At the same time, between 2014 and 2019, the non-performing loan ratio of GD Bank was 1.19%-1. 61%, which is generally within the range of industry standard 5%, and the control situation is generally good. Regarding the management of non-performing loans, and establishing the period of non-performing loan management and the time period of non-performing loans, different non-performing loan collection measures are adopted for different stages, and targeted collection strategies are developed, from the initial preservation of principal and interest to In the final stage, to reduce losses as much as possible, it can be clearly seen that GD Bank's non-performing loan management process is relatively reasonable. In addition, through the internal control of GD Bank’s non-performing loans, GD Bank’s loan business has a certain growth trend, but the performance stability is not high. At the same time, combined with GD Bank’s non-performing loans and the rate of non-performing loans, there is also a trend of change, to a certain extent It can reflect the risk of its business development; from the perspective of the distribution of non-performing loans, the main body is divided into corporate customers and retail customers. Corporate customers are the main ones, but they are decreasing year by year, and the non-performing loan rate of retail customers is increasing year by year. , Non-performing loans for retail customers are also the focus of GD Bank’s collection and disposal. The regional division is mainly divided into the Yangtze River Delta, Bohai Rim, Central Region, Western Region, Northeast Region, Pearl River Delta, Head Office, Overseas, etc. From the perspective of regional distribution, GD Bank’s non-performing loans show instability. Loan control needs to be strengthened. The division of industries is mainly concentrated in manufacturing, wholesale and retail, and the concentration of GD bank loans is relatively high, resulting in an increase in the amount of non-performing loans. Loan methods are mainly divided into credit loans, guaranteed loans, pledge loans, and mortgage loans. The non-performing loans caused by credit loans in GD Bank are relatively high, and the non-performing loans caused by credit loans need to be further strengthened. At the same time, through the analysis of the current situation of non-performing loan collection, it is pointed out that although GD Bank has realized the improvement of the efficiency of non-performing asset disposal through the optimization and improvement of the non-performing asset disposal process, the migration rate of various types of loans of GD bank has shown obvious Among them, suspicious loans and sub-prime loans are more obvious, which may increase the risk of non-performing loans for GD Bank.

因此，本文以GD银行为研究对象，运用实地调研法、案例分析法等方法对GD银行不良贷款管理进行研究。文中在不良贷款相关概念及理论的基础上，从不良贷款基本情况、不良贷款管理的流程与处置对GD银行不良贷款的总体情况分析，可以看出近几年来GD银行不良贷款呈现出贷款总额、不良贷款总额、不良贷款率都呈现出增长趋势。同时，在2014年-2019年间，GD银行不良贷款率在1.19%—1.61%之间，总体保持在行业标准5%以下的范围，控制情况总体良好。针对不良贷款管理方面，并建立不良贷款管理阶段与不良贷款所处的时间段，针对不同阶段，采取不同的不良贷款催收措施，通过制定出具有针对性的催收策略，从最初的保全本息，到最后阶段尽可能地降低损失，可清晰地看出GD银行的不良贷款管理流程是相对合理的。此外，通过对GD银行不良贷款内控来看，GD银行贷款业务具有一定的增长趋势，但是业绩稳定性不高，同时结合GD银行不良贷款、不良贷款率幅度也呈现出变化趋势，在一定程度上能体现出其业务发展中的风险性；从不良贷款分布来看，主体划分主要分为企业客户与零售客户，以企业客户为主要，但在逐年下降，零售客户不良贷款率在逐年增加，所以，针对零售客户的不良贷款也是GD银行清收处置的重点。地区划分主要分为长江三角洲、环渤海地区、中部地区、西部地区、东北地区、珠江三角洲、总行、境外等，而从地区分布来看，GD银行的不良贷款呈现出不稳定性，因而在不良贷款管控方面还需加强。行业划分主要集中在制造业、批发与零售业，并且GD银行贷款行业集中度较高，导致出现不良贷款额度也有所增加。贷款方式主要分为信用贷款、保证贷款、质押贷款、抵押贷款，而GD银行在信用贷款导致的不良贷款较高，在信用贷款方面导致的不良贷款还需要进一步加强管理。同时，通过对不良贷款清收现状分析中指出虽然GD银行通过对不良资产处置流程的优化与完善，实现了不良资产处置效率的提升，但GD银行各种类型的贷款迁移率都呈现出明显的提升，其中提升较为明显的有可疑类贷款和次级类贷款，这对于GD银行来说可能会增加不良贷款生成的风险。

Therefore, this paper takes GD bank as the research object, uses the methods of field investigation and case analysis to study the management of GD bank's non-performing loans. Based on the related concepts and theories of non-performing loans, this paper analyzes the general situation of non-performing loans of GD bank from the basic situation of non-performing loans, the management process and disposal of non-performing loans. It can be seen that the total amount of non-performing loans, the total amount of non-performing loans and the ratio of non-performing loans are all showing an increasing trend in recent years. Meanwhile, from 2014 to 2019, the non-performing loan ratio of GD banks ranged from 1.19% to 1.61%, which remained below the industry standard of 5%, and the control situation was generally good. In the aspect of non-performing loan management, this paper establishes the management stage of non-performing loan and the time period of non-performing loan. According to different stages, different non-performing loan collection measures are taken. Through the development of targeted collection strategy, from the initial preservation of principal and interest to the final stage to reduce the loss as much as possible, we can clearly see that the non-performing loan management process of GD bank is relatively consistent Yes. In addition, through the internal control of GD bank's non-performing loans, Gd bank's loan business has a certain growth trend, but the performance stability is not high. At the same time, combined with Gd bank's non-performing loan and the range of non-performing loan ratio also show a trend of change, which can reflect the risk of business development to a certain extent; from the distribution of non-performing loans, the main body is divided into enterprise customers and non-performing loans Retail customers are mainly enterprise customers, but they are declining year by year, and the non-performing loan rate of retail customers is increasing year by year. Therefore, the non-performing loans for retail customers are also the focus of GD bank's collection and disposal. The regional division is mainly divided into Yangtze River Delta, Bohai Rim region, central region, western region, northeast region, Pearl River Delta, head office, overseas, etc. from the perspective of regional distribution, the non-performing loans of GD banks are unstable, so it is necessary to strengthen the control of non-performing loans. Industry division is mainly concentrated in manufacturing, wholesale and retail industry, and the concentration of GD bank loan industry is high, resulting in the increase of non-performing loans. The loan methods are mainly divided into credit loan, guarantee loan, pledge loan and mortgage loan. The non-performing loan caused by credit loan of GD bank is relatively high, and the non-performing loan caused by credit loan needs to be further strengthened. At the same time, through the analysis of the current situation of non-performing loans collection, it is pointed out that although GD bank has improved the efficiency of non-performing assets disposal by optimizing and improving the disposal process of non-performing assets, the loan mobility rate of various types of GD banks has increased significantly, among which suspicious loans and sub-prime loans have increased significantly, which may increase for GD banks The risk of good loans.<br>