TheconceptofBanksnon-performingassets1,thebankcan''tontimeaccordingtotheseverityofthenon-performingassets,canchoosebankbankruptcyliquidationoraccordingtothepredeterminedtimelimit,fullspecifiedamountaccordingtothepredeterminedrateintothelineofassetreorganization.2,afterthebanklendingintheformofbankcreditassetsisnotinconformitywiththeprincipleofsafety,liquidityandprofitabilityinoverdue,dull,badconditionandsomeoftheloansatrisk.3,bankcan''tnormalbackornottoreturntheloanreceived.4,referstoinagoodoperatingstate,notbringstothebankintimetonormalinterestincomeandevenhardtorecovertheprincipalofbankassets,mainlyreferstothenon-performingloans,includingsubprimeloananditsinterest,suspiciousandloss.5,Bankscan''ttimelygetininterestincomeandwithdrawtheprincipalassets.6,agoodmanagementofthestateoftheBanks''assets,primarilynon-performingloanassets,thebankcan''trecovertheprincipalandinterestoftheloaninatimelymanner.Include:failedtorecoveroverdueloans,dullloansandnon-performingloans.Managementmeasuresofnon-performingassetsofBanks1.Theformationofbadcreditassetsstrippingsystemreason.NationalinstitutionaldebtofBanksandenterprisesshouldtakeoutapieceofinstitutionalresourcescompensation,changedtheloanstoinvestmentistheenterprisecan''trepaythebankloantoinvestmentintheenterprise,ismainlyreferstosomeofthenationaleconomyandpeople''slivelihoodandsocialstabilityoflargeenterprisesloandefaults.2.Professionalshallcarryoutthecorporatebanking.Professionalcorporatebank,aimstoestablishpropertyrightclear,nobodyisclear,fromgovernmentadministrativeintervention,\"theirownrisks,andtobalance,self-discipline,self-financing,self-development\"oftheoperatingmechanism.Adheretotheprincipleofcapitalliquidity,safetyandprofitability,fromthesystemtofunctionallconformtothebusinessprinciplesofstate-ownedcommercialBanks.3.Theconstructionofstate-ownedenterprisegroups,topromoteenterpriseassetsreorganization.Enterprisegroupisproducedforthemodernproductivescaleeconomyrequiresaformofenterpriseorganization.Bestproductionscale,thelowestcostandbenefit,itnotonlythroughthejointgatheredhugeproductivity,toproduceasingleenterpriseisdifficulttorealizethecombinationeffectofrapidlymeettherequirementsofmoderneconomiesofscale,atthesametime,itsorganization,whichfullyreflectstheflexiblemanagementofcommodityeconomy.Havefastadvanceddevelopmentpattern,theenterprisegroupisfasterthananyotherformoforganizationdevelopment,roleineconomiclife.Scaleeconomicbenefit,theintensiveproductionenterprisegroupcompany,therearetwomainways:oneistheimplementationofindividualenterprisescaleexpansion,itisacorporaterestructuring,throughmergersandacquisitionsandotherforms.Powerfulgroupco.,LTD.,andthelatterhasbecomeadaptedtomarketeconomydevelopmentrequestformthemainstreamofgroupcompany.Thegovernment''sassetsreorganizationofenterprisesworktostrongleadershipandplanning,bywayofjointventure,cooperation,grafting,restructuringandresources,toachieveresourcerestart,restructuringmustimplementthebankcreditor''srightsatthesametime,inordertoachievethepurposeofcreditassets.4.Strengtheningthemanagementofbankcredit.Creditassetsriskpreventionandmanagementofeveryloancreditinvestigation,loanreview,post-loaninspectionbefore,strengthencreditmanagementmustbecarriedoutonloanmanagementresponsibilitysystem.Oneistoclarifytheresponsibilitiesofrelevantpersonnel,theestablishmentofPresidentresponsibleforthesystem,theseparationofapprovingsystem,hierarchicalexaminationandapprovalsystem,leavingtheauditsystem,soastoreducethemanagementrisk.2itistocorrecttheirloanslighttubephenomenon,achievethefundamentaltransitionfromextensivetointensivemanagementstyle,improvethelevelofmanagement,improvethelevelofriskmanagement,inparticular,topreventandreducenewbadcreditassets.5.Inaccordancewiththeloan.Firstofall,fromthelegalsafeguardtheautonomyofcommercialBanksandthelegitimaterightsandinterests,putanendtothegovernment''sadministrativeinterventionofBanks;Next,wanttosupportthebanktocollecttheloanprincipalandinterest,ifnecessary,bymeansofthelaw,forenterprisestoevadethedebtrestructuringofthemachineornotalsorich,covertauctionerosionbankassetssuchasmortgagegoods,behavior,andtomaintainthelegitimaterightsandinterestsofthebank.这是英文的文章，你要文献就抄每段第一句。