【正文】 畢業(yè)論文外文資料翻譯 題 目 個(gè)人住房貸款中不良信貸風(fēng)險(xiǎn)管理研究 學(xué) 院 經(jīng)濟(jì)學(xué)院 專 業(yè) 金融學(xué) 班 級(jí) 金融 0801 學(xué) 生 學(xué) 號(hào) 指導(dǎo)教師 二〇一二 年 四 月 二十 日 1 Applied Economics, the Dryden Press, 2020 P7578. Nonperforming Loans Management and Recovery William J. Bauman and Alan S. Blinder Abstract With the deepening of China39。s economic system reform development and continuous improvement of the system of the market economy, banks 39。 lending business bees pletely open to individuals, personal loans of business growing, continues to expand the scope of business, especially the development of individual housing loan more quickly. Personal housing loan business in China at the time of its development, there are bad credit risks as well as the petitive situation is not optimistic, to a certain extent, hamper the development of individual housing loans, to sustainable development, research management must be strengthened on a number of issues. This article from the current development status of individual housing loan business to start, pointed out that because of the existing problems as well as problems and focus on how to develop personal housing loan bad credit risk reduction, foreign experiences and lessons learned, and thoughts and countermeasures for management, to promote the healthy and rapid development of the business. Key words: Housing loans to individuals。 Bad credit risks。 present situation。 problem。 Countermeasure 1. Introduction Under the fivecategory loan classification, substandard, doubtful and loss loans are defined as nonperforming loans. Because the reasons behind nonperforming loans formation are different, credit associates must take effective measures to manage, recover and dispose of these parts of asset according to their different characteristics. The bank should first find out the responsibilities of the guarantor and dispose of the security in time. Only when they confirm that the guarantor has lost the guarantee abilities and the security is not sufficient to pay off the loan, can they begin to dispose of the nonperforming loans. 2 2. Reasons There are many reasons why banks have poorly performing loan portfolios. Irrespective of these causes, banks have an obligation to shareholders, depositors and creditors to maximize cash flow from assets, the most troublesome aspect of which has been the poor record of banks in recovering loans. It is this factor that has contributed the most to bank insolvency, and liquidity constraints. There are several plementary options available to banks to restructure problem loans and portfolios, including: ? Exercise of collateral (liens against property, inventories) through judicial or extrajudicial means. ? Outofcourt settlement that may focus exclusively on debt negotiation, restructuring and repayment, or lead to the financial, physical and operational restructuring of the enterprise. ? Bankruptcy/liquidation procedures through formal court proceedings. This may involve liquidation, reorganization or privatization of an enterprise to enforce partial or total loan repayment. (Besides the bank itself, sometimes government also leads a restructuring program to help the bank to solve the problem of NPL in order to stabilize the banking industry or the whole economy, for example, Asset Management Company (AMC), a special purpose pany, buys or exchanges NPL from bank and disposes of them). 3. WorkOut Unit With aggregate loan portfolios universally troubled by delinquencies and defaults, some banks have opted to develop workout units to improve loan portfolio quality. When workout units are established, they are usually set up to deal with most of a bank39。s problem loans, effectively sectioning off nonperforming loans from the broader bank portfolio of performing loans. The benefits expected from workout units include。 ? Concentra