The non-performing loan ratio of bank institutions in China begun to appear signs of a rebound in 2013.In order to analysis the plight and factor of non-performing assets，this article summary the development trend of the non-performing assets market in 2012 to 2014，consider that the non-performance and the ratio of non-performance loans has begun to rebound；the credit risk has appeared，and the shadow banking，real estate，private lending needed to alarm urgently.Based on the situation in Henan province，should to develop the real economy vigorously，strengthen the supervision of financial assets，and create a stable market environment.