Therefore, this paper takes GD bank as the research object, uses the literature method, case analysis method and other methods to study the non-performing loan management of GD bank. Based on the concepts and theories related to non-performing loans, the paper analyzes the current situation of the management of non-performing loans of GD banks from the aspects of the basic situation of non-performing loans, the process and disposal of non-performing loan management, the internal control of non-performing loans, the distribution of non-performing loans and the liquidation of non-performing loans, and concludes that there is an unreasonable credit structure in the management of non-performing loans in GD banks, unreasonable ness in the three-check loan process, a single means of disposal of non-performing loans, imperfect credit management rating system, and weak credit management personnel. The causes of these problems are mainly divided into external and internal reasons, external macro-economic factors, bank-enterprise information asymmetry, internal loan structure unreasonable investment is too concentrated, three-check management system is still imperfect, the bank management concept has lagging behind, the potential risk of non-performing loans object is large, the overall quality of enterprise credit personnel is not high. Finally, combined with the above-mentioned analysis of the problems and causes in the management of non-performing loans of GD banks, five measures to strengthen the management of non-performing loans of GD banks are put forward, one is to optimize the credit structure of GD banks and spread credit risk; Effectively control the occurrence of non-performing loans of GD banks, and realize the basic goal of "double reduction" of the non-performing loan balance and non-performing loan ratio of GD bank.
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