Abstract: China's economy has entered a new normal, With the developing of the "three rural" policy, rural commercial banks are gradually playing the role of developing local economy in China, supporting the burden of SMEs, stabilizing regional economy and promoting the building of a harmonious society. Loan is the most important factor in the assets of rural commercial banks. The size of the loan risk will affect the quality of the assets of rural commercial banks and will have a direct impact on the development of rural commercial banks. With the continuous deepening structural reforms in China's supply side and the implementation and promotion of "Three to drop one make up" the banking industry of China is confronted with multiple difficulties such as economic growth downturns, the deepening reform of interest rate liberalization and increased risk pressure, which makes the non-performing loan ratio of commercial banks rise continuously. The non-performing loan rate of national commercial bank has reached 1.74%. Therefore, it is necessary to study the situation of non-performing loans of rural commercial banks and put forward relevant suggestions for rural commercial banks to solve the problem of high NPLs.
Keywords: economy, rural commercial banks, non-performing loans