As for the non-performing loans, it is quite normal for the commercial banks to have some non-performing assets since they are engaged in many risky businesses. As long as the amount of incremental non-performing loans of a given year is managed within a normal range and can be covered by the bad loan provisioning of that year, there’s not much to worry.
The only way to fully and securely integrate into the global financial system is to build strong enough institutional infrastructure that ensures a well-functioning domestic financial system, even in times of stress.