Analysis on Non-performing Loans of Chongqing Rural Commercial Bank

摘要

By applying the financial data from 2014 to 2018, this paper found that the changing trend of the non-performing loan ratio of Chongqing rural commercial bank was basically the same as that of the average non-performing loan ratio of commercial banks in China, and the level was relatively low. There were some risks in the structure of non-performing loans, but the risks could be controlled. Among the product types of non-performing loan, the loan quality of retail category was better than that of company category. The industry distribution with high concentration of non-performing loans has higher hidden dangers of credit risk. On the whole, the quality of credit assets of Chongqing rural commercial bank was good and the risk could be controlled.