国有商业银行不良资产的处置.doc
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国有商业银行不良资产的处置,本文共221页 13275字摘 要我国国有商业银行不良资产问题日益成为经济界关注的焦点。国有商业银行大量不良资产的存在，是我国银行市场化、商业化和国际化的重大障碍，并成为威胁国家金融安全的一个重要隐患。目前，各大国有商业银行已制定了上市时间表，但是，银行要达到上市要求，不良资产率应降到10％ ...
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此文档由会员 王亮亮 发布
国有商业银行不良资产的处置
本文共221页 13275字
摘 要
我国国有商业银行不良资产问题日益成为经济界关注的焦点。国有商业银行大量不良资产的存在，是我国银行市场化、商业化和国际化的重大障碍，并成为威胁国家金融安全的一个重要隐患。目前，各大国有商业银行已制定了上市时间表，但是，银行要达到上市要求，不良资产率应降到10％ 以下，因此，高额的不良资产成为制约国有商业银行改制上市的重要因素。近年来，我国政府高度重视国有商业银行治理不良资产的工作，并作为银行监管工作的重中之重。与此同时，国有商业银行实现了不良贷款余额和占比的“双下降” ，但效果不是很明显。金融是现代经济的核心， 资产质量是银行的生命线， 国有商业银行居高难下的不良资产已成为制约国有商业银行改革和发展的痼疾，也是影响我国经济金融健康运行的一个重大隐患。因此，必须积极探索有效的国有商业银行资产管理方法， 以加快治理不良资产的步伐。本文通过分析国有商业银行不良资产成因及现状，探讨不良资产处置的难点、对策及措施。
关键词：国有商业银行，不良资产，处置，对策
Abstract
China's state-owned commercial banks non-performing assets have increasingly become the focus of attention of economic circles. The existence of a large amount of non-performing assets of state-owned commercial banks, China's banking market, a major obstacle to the commercialization and internationalization, and become a major threat to the country's financial security hidden dangers. Currently, major state-owned commercial banks have drawn up a timetable for the listing, but banks must meet listing requirements. non-performing assets ratio dropped below 10% , Therefore, the huge non-performing assets restructuring and listing of state-owned commercial banks has become an important factor. In recent years, the Chinese government has attached great importance to management of non-performing assets of state-owned commercial banks. and as the most important task of banking supervision. Meanwhile, the non-performing loans of state-owned commercial banks to achieve a balance and proportion in the "double down", but the results are not very clear. Finance is the core of modern economy, the quality of assets of banks is the lifeblood state-owned commercial banks under the difficult constraints of non-performing assets has become a chronic ailment in the reform and development of state-owned commercial banks. affect the sound operation of China's economy and finance is a major hidden peril. Therefore, the state-owned commercial banks should actively explore effective asset management practices to speed up the pace of non-performing assets. Based on the analysis of the causes and non-performing assets of state-owned commercial banks, explores the difficulties of disposing of bad assets, strategy and measures.
Key words: State—owned commercial bank Bad asset
Handing Countermeasure
目 录
摘 要 I
Abstract II
一、国有商业银行不良资产现状 1
（一）不良资产规模分析 1
（二）不良资产处置现状 2
二、国有商业银行不良资产形成的原因 3
（一）国有银行自身经营管理方面的原因 3
（二）政府干预和经济体制方面的原因 3
（三）企业方面存在的问题 4
（四）法律体系不健全 5
三、解决国有商业银行不良资产问题的对策 6
（一）加强银行和企业自身的经营管理 6
（二）通过金融资产管理公司处理不良资产 9
（三）通过不良资产证券化处理不良资产 10
（四）制定法律法规，加强法律保护 11
致 谢 15
参考文献 16
参考文献
[1] 黄志凌.价值提升与价值止损———不良资产处置技术研究[M].陕西人民出版社，2004.
[2] 恽铭庆.金融不良资产处置[M].中国财政经济出版社,2001.
[3] 华金秋.中国金融资产管理公司与不良资产新视点[M].中国市场出版社,2004.
[4] 李 扬.中国金融发展报告[M].社会科学文献出版社,2005.
[5] 刘德福.不良资产管理处置研究[M].中国金融出版社,2004.6
本文共221页 13275字
摘 要
我国国有商业银行不良资产问题日益成为经济界关注的焦点。国有商业银行大量不良资产的存在，是我国银行市场化、商业化和国际化的重大障碍，并成为威胁国家金融安全的一个重要隐患。目前，各大国有商业银行已制定了上市时间表，但是，银行要达到上市要求，不良资产率应降到10％ 以下，因此，高额的不良资产成为制约国有商业银行改制上市的重要因素。近年来，我国政府高度重视国有商业银行治理不良资产的工作，并作为银行监管工作的重中之重。与此同时，国有商业银行实现了不良贷款余额和占比的“双下降” ，但效果不是很明显。金融是现代经济的核心， 资产质量是银行的生命线， 国有商业银行居高难下的不良资产已成为制约国有商业银行改革和发展的痼疾，也是影响我国经济金融健康运行的一个重大隐患。因此，必须积极探索有效的国有商业银行资产管理方法， 以加快治理不良资产的步伐。本文通过分析国有商业银行不良资产成因及现状，探讨不良资产处置的难点、对策及措施。
关键词：国有商业银行，不良资产，处置，对策
Abstract
China's state-owned commercial banks non-performing assets have increasingly become the focus of attention of economic circles. The existence of a large amount of non-performing assets of state-owned commercial banks, China's banking market, a major obstacle to the commercialization and internationalization, and become a major threat to the country's financial security hidden dangers. Currently, major state-owned commercial banks have drawn up a timetable for the listing, but banks must meet listing requirements. non-performing assets ratio dropped below 10% , Therefore, the huge non-performing assets restructuring and listing of state-owned commercial banks has become an important factor. In recent years, the Chinese government has attached great importance to management of non-performing assets of state-owned commercial banks. and as the most important task of banking supervision. Meanwhile, the non-performing loans of state-owned commercial banks to achieve a balance and proportion in the "double down", but the results are not very clear. Finance is the core of modern economy, the quality of assets of banks is the lifeblood state-owned commercial banks under the difficult constraints of non-performing assets has become a chronic ailment in the reform and development of state-owned commercial banks. affect the sound operation of China's economy and finance is a major hidden peril. Therefore, the state-owned commercial banks should actively explore effective asset management practices to speed up the pace of non-performing assets. Based on the analysis of the causes and non-performing assets of state-owned commercial banks, explores the difficulties of disposing of bad assets, strategy and measures.
Key words: State—owned commercial bank Bad asset
Handing Countermeasure
目 录
摘 要 I
Abstract II
一、国有商业银行不良资产现状 1
（一）不良资产规模分析 1
（二）不良资产处置现状 2
二、国有商业银行不良资产形成的原因 3
（一）国有银行自身经营管理方面的原因 3
（二）政府干预和经济体制方面的原因 3
（三）企业方面存在的问题 4
（四）法律体系不健全 5
三、解决国有商业银行不良资产问题的对策 6
（一）加强银行和企业自身的经营管理 6
（二）通过金融资产管理公司处理不良资产 9
（三）通过不良资产证券化处理不良资产 10
（四）制定法律法规，加强法律保护 11
致 谢 15
参考文献 16
参考文献
[1] 黄志凌.价值提升与价值止损———不良资产处置技术研究[M].陕西人民出版社，2004.
[2] 恽铭庆.金融不良资产处置[M].中国财政经济出版社,2001.
[3] 华金秋.中国金融资产管理公司与不良资产新视点[M].中国市场出版社,2004.
[4] 李 扬.中国金融发展报告[M].社会科学文献出版社,2005.
[5] 刘德福.不良资产管理处置研究[M].中国金融出版社,2004.6
