國有商業(yè)銀行不良資產(chǎn)的處置

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摘 要

我國國有商業(yè)銀行不良資產(chǎn)問題日益成為經(jīng)濟界關(guān)注的焦點。國有商業(yè)銀行大量不良資產(chǎn)的存在，是我國銀行市場化、商業(yè)化和國際化的重大障礙，并成為威脅國家金融安全的一個重要隱患。目前，各大國有商業(yè)銀行已制定了上市時間表，但是，銀行要達到上市要求，不良資產(chǎn)率應降到10％ 以下，因此，高額的不良資產(chǎn)成為制約國有商業(yè)銀行改制上市的重要因素。近年來，我國政府高度重視國有商業(yè)銀行治理不良資產(chǎn)的工作，并作為銀行監(jiān)管工作的重中之重。與此同時，國有商業(yè)銀行實現(xiàn)了不良貸款余額和占比的“雙下降” ，但效果不是很明顯。金融是現(xiàn)代經(jīng)濟的核心， 資產(chǎn)質(zhì)量是銀行的生命線， 國有商業(yè)銀行居高難下的不良資產(chǎn)已成為制約國有商業(yè)銀行改革和發(fā)展的痼疾，也是影響我國經(jīng)濟金融健康運行的一個重大隱患。因此，必須積極探索有效的國有商業(yè)銀行資產(chǎn)管理方法， 以加快治理不良資產(chǎn)的步伐。本文通過分析國有商業(yè)銀行不良資產(chǎn)成因及現(xiàn)狀，探討不良資產(chǎn)處置的難點、對策及措施。


關(guān)鍵詞：國有商業(yè)銀行，不良資產(chǎn)，處置，對策
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 錄

摘 要 I
Abstract II
一、國有商業(yè)銀行不良資產(chǎn)現(xiàn)狀 1
（一）不良資產(chǎn)規(guī)模分析 1
（二）不良資產(chǎn)處置現(xiàn)狀 2
二、國有商業(yè)銀行不良資產(chǎn)形成的原因 3
（一）國有銀行自身經(jīng)營管理方面的原因 3
（二）政府干預和經(jīng)濟體制方面的原因 3
（三）企業(yè)方面存在的問題 4
（四）法律體系不健全 5
三、解決國有商業(yè)銀行不良資產(chǎn)問題的對策 6
（一）加強銀行和企業(yè)自身的經(jīng)營管理 6
（二）通過金融資產(chǎn)管理公司處理不良資產(chǎn) 9
（三）通過不良資產(chǎn)證券化處理不良資產(chǎn) 10
（四）制定法律法規(guī)，加強法律保護 11
致 謝 15
參考文獻 16

參考文獻

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