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Since 1999 the establishment of China's four financial asset management companies, China's commercial banks dispose of bad assets has been made in the interim results, the rate of non-performing assets decreased year after year, but the scale of China's non-performing assets still very large. This paper will analyse China's commercial banks non-performing assets rate of the reasons for the decline substantially in recent years, and its own research and analysis of China's banks dispose of bad assets and bad assets through the disposal of non-performing assets market two models. The adoption of non-performing assets disposal mode, the focus of financial assets management companies disposing of bad assets of the way. At the same time in this paper will be based on the analysis of the above, on China's future governance of non-performing assets to make recommendations and measures.