我國商業(yè)銀行不良資產(chǎn)成因及其對策研究6-展示頁
2025-07-07 17:53本頁面
【正文】 The Reasons and Management of Nonperforming Asset of the Stateowned Commercial Banks in ChinaAbstract： This paper focuses on the nonperforming asset (NPA) in the stateowned mercial banks in China. With an analysis of NPA’s nature, characteristics and damage, we suggest that it is necessary to make quick efforts to deal with this issue. Additionally, according to domestic and international practical experience and research findings, we point out reasons why a large amount of NPA still severely exists in China and make a parison of the advantages and disadvantages between the traditional and creative treating mode. Based on our analysis, we conclude that related stakeholders should pay attention to NPA’s perniciousness, and take proactive action to solve this problem, including policy making by governments to regulate the industry, improvement of relevant laws by legal departments, and promotion of supervision process by institutions such as People’s Bank of China and China Banking Regulatory Commission. It is also suggested to strengthen industry cooperation and build internal control mechanism within the banking systems to handle NPA immediately when it is discovered. At the same time, it is also required to regulate the money market and capital market to gather the slack money and increase efficiency to utilize the social resources. This method aims to dissolve risks accumulated in the banks indirectly. We believe the necessity of contribution made by all stakeholder sections to fundamentally control NPA’s amount and ratio and finally to achieve financial and economic stability in China. Key words nonperforming asset, nonperforming loan, stateowned mercial banks目錄一、引言 1二、 國有商業(yè)銀行不良資產(chǎn)現(xiàn)狀分析 1（一）不良資產(chǎn)的基本性質(zhì) 2（二）近年來我國不良貸款具體情況及分析 2三、 我國國有商業(yè)銀行不良資產(chǎn)成因分析 4（一）國有商業(yè)銀行的產(chǎn)權(quán)制度的缺陷 4（二）宏觀經(jīng)濟(jì)社會因素 4（三）社會信用體系脆弱，金融信用脆弱 4（四）資本市場貨幣市場不發(fā)達(dá)，風(fēng)險積聚 5（五）法律制度的缺失和監(jiān)管缺失 5（六）同業(yè)間不良競爭 5（七）銀行自身管理不到位，員工缺乏積極性 5四、 國內(nèi)外傳統(tǒng)與創(chuàng)新處置模式的介紹 6（一）傳統(tǒng)處置模式的種類 6（二）日、美、歐等國家和地區(qū)的處置經(jīng)驗(yàn) 6（三）我國創(chuàng)新處置方法介紹及其利弊 7 資產(chǎn)證券化 7 利用資本市場處置和盤活不良資產(chǎn) 7 信托模式 7 業(yè)務(wù)外包法 7 企業(yè)并購重組 8（四）傳統(tǒng)和創(chuàng)新處置模式的比較 8五、 政策性措施和建議 8（一） 利用不良貸款的周期性性質(zhì)，進(jìn)行反周期調(diào)節(jié) 8（二） 減少行政干預(yù)，加強(qiáng)銀行自主性 9（三） 加大征信制度管理 9（四） 銀行加強(qiáng)風(fēng)險管理 9（五） 監(jiān)管部門加強(qiáng)管理 10（六） 加快貨幣市場和資本市場建設(shè) 10六、 小結(jié)與展望 10（一） 小結(jié) 11（二）展望 11參考文獻(xiàn)： 12一、引言在我國銀行優(yōu)異的成績和高額的利潤增長率背后，必須引起注
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