我國(guó)商業(yè)銀行不良資產(chǎn)處置問(wèn)題研究畢業(yè)論文-展示頁(yè)
2025-07-07 18:52本頁(yè)面
【正文】 態(tài)存在的資產(chǎn)。② 結(jié)合國(guó)內(nèi)外研究的最新動(dòng)態(tài)，采用理論與實(shí)際相結(jié)合的方法對(duì)我國(guó)銀行不良資產(chǎn)問(wèn)題進(jìn)行綜合分析。① 采用國(guó)際間橫向比較的方法。周小川（2004年）指明不良資產(chǎn)主要的五個(gè)來(lái)源：30%為投入國(guó)企造成；30%因?yàn)檎男姓深A(yù)導(dǎo)致；20%是銀行自身經(jīng)營(yíng)管理造成；剩下10%與地方行政、司法環(huán)境相關(guān)。清華大學(xué)經(jīng)濟(jì)管理學(xué)院中國(guó)公有資產(chǎn)研究中心（2007）指出，截止到2006年底，四家AMC均完成了財(cái)政部確定的現(xiàn)金回收率指標(biāo)，現(xiàn)金費(fèi)用率控制在規(guī)定范圍內(nèi)，完成了確定的目標(biāo)經(jīng)營(yíng)責(zé)任制任務(wù)。Obay(2000)采用200家商業(yè)銀行的1995年財(cái)務(wù)數(shù)據(jù)，應(yīng)用多變量方差分析得出：采用資產(chǎn)證券化手段的商業(yè)銀行具有較低的資本風(fēng)險(xiǎn)。Ball和Feltenstein(2001)采用一個(gè)地區(qū)（存在大量銀行不良資產(chǎn)）的銀行數(shù)據(jù)建立均衡模型，然后從多個(gè)方面分析評(píng)估該地區(qū)銀行不良貸款的形成的特殊原因和帶來(lái)的巨大危害。Stiglitz和Greenwald(2005)提出信貸關(guān)系的一般均衡模型：經(jīng)濟(jì)增長(zhǎng)階段不良貸款趨于下降很容易使商業(yè)銀行對(duì)經(jīng)濟(jì)前景盲目樂(lè)觀，進(jìn)而過(guò)渡擴(kuò)張信貸規(guī)模兒忽視其風(fēng)險(xiǎn)。入世后，我國(guó)金融市場(chǎng)將進(jìn)一步對(duì)開(kāi)放，屆時(shí)銀行業(yè)將面臨更多來(lái)自國(guó)外的嚴(yán)峻挑戰(zhàn)，在這個(gè)特殊的時(shí)點(diǎn)討論商業(yè)銀行不良資產(chǎn)的解決方案具有十分深刻的現(xiàn)實(shí)意義。銀行大廈一旦坍塌將作用于整個(gè)經(jīng)濟(jì)系統(tǒng)，不利于我國(guó)經(jīng)濟(jì)平穩(wěn)、高速的發(fā)展。國(guó)際貨幣基金組織的數(shù)據(jù)顯示，絕大部分成員國(guó)都經(jīng)歷過(guò)較為嚴(yán)重的金融危機(jī)，其中半數(shù)以上是由不良資產(chǎn)問(wèn)題引起的。 12。關(guān)鍵詞：商業(yè)銀行 不良資產(chǎn) 處置 現(xiàn)存問(wèn)題 解決對(duì)策 重慶大學(xué)本科學(xué)生畢業(yè)論文 AbstractAbstractChina39。資產(chǎn)證券化是近幾十年來(lái)最受矚目的金融創(chuàng)新手段，為我國(guó)銀行處置不良資產(chǎn)提供了新的選擇。對(duì)于不良資產(chǎn)的處置問(wèn)題，在回顧美國(guó)、日本、波蘭的處理方式的情況下提出值得我國(guó)借鑒的經(jīng)驗(yàn)。基于我國(guó)特殊的國(guó)情，不良資產(chǎn)的產(chǎn)生與發(fā)展也存在極強(qiáng)的特殊性。我國(guó)的商業(yè)銀行不良資產(chǎn)數(shù)量逐年累計(jì)，情況日益嚴(yán)峻，雖然近年通過(guò)政府、銀行等機(jī)構(gòu)采取的一系列措施已將不良資產(chǎn)率控制在合理范圍內(nèi)，但隨著08年金融危機(jī)和國(guó)內(nèi)國(guó)際大環(huán)境的變化，不良資產(chǎn)出現(xiàn)了一定程度的回升。重慶大學(xué)本科學(xué)生畢業(yè)論文我國(guó)商業(yè)銀行不良資產(chǎn)處置問(wèn)題研究24 Graduation Thesis of Chongqing UniversityThe Research on the NPA of China’s mercial banksUndergraduate: Zhou ShiranSupervisor: Zhou ZhouMajor: Economics School of Public AffairsChongqing University…..June 2013重慶大學(xué)本科學(xué)生畢業(yè)論文 摘 要摘 要我國(guó)的商業(yè)銀行在經(jīng)濟(jì)運(yùn)行中的主體地位越來(lái)越重要。然而銀行經(jīng)營(yíng)的信貸資產(chǎn)風(fēng)險(xiǎn)極高，其質(zhì)量不僅關(guān)乎銀行自身的發(fā)展，更是對(duì)金融秩序的穩(wěn)定有著重大的影響。所以，不良資產(chǎn)處置問(wèn)題仍是深化銀行改革的焦點(diǎn)和難點(diǎn)。本文首先介紹了我國(guó)不良資產(chǎn)的基本概念和劃分標(biāo)準(zhǔn)，接著綜合分析了我國(guó)不良資產(chǎn)形成的原因以及對(duì)經(jīng)濟(jì)社會(huì)的不利影響。雖然我國(guó)采用傳統(tǒng)的處置手段對(duì)不良資產(chǎn)進(jìn)行處理已取得了一定的成績(jī)，但各種手段的弊端日益暴露。文章最后為我國(guó)在關(guān)鍵轉(zhuǎn)型期的不良資產(chǎn)處置給出了幾點(diǎn)合理建議，主要包括促進(jìn)資產(chǎn)管理公司的商業(yè)化改革，建立良好的外部環(huán)境，轉(zhuǎn)變政府職能，完善銀行信貸管理機(jī)制以及建立更加成熟的資本市場(chǎng)。s mercial banks play a increasingly important role in the economic operation. However, the risk of banks’ credit assets is extremely high The quality concerns not only the bank’s own development, but also a major impact on the stability of the financial order. China’s mercial banks have accumulated a number of nonperforming assets year by year and the situation bees increasingly serious. Because of the financial crisis in 2008 and changes of domestic and international environment, nonperforming assets have increased in some degree, although in recent years, the government, banks and other institutions have adopted a series of measures to control the rate of nonperforming assets within a reasonable range. Therefore, how to solve the problem of nonperforming assets remains the focus and difficulty of deepening banks’ reform.Based on our country’s special situation, the emergence and development of the nonperforming assets are extremely special. This thesis first introduces the basic concepts of the nonperforming assets and the criteria for the classification, then prehensively analyzes the reasons for the formation of nonperforming assets, as well as the negative impact on the economy and society. As for the problem of how to deal with the nonperforming assets, this thesis concludes some experience grounded on the United States, Japan and Poland’s, which are worth learning. Although our traditional means for dealing with the nonperforming assets have made some achievements, the shortings of the different kind of means increasingly exposed. Asset securitization is the most popular means in recent decades, which has provided a new choice for us to dispose the nonperforming assets. Finally, several suggestions about how to dispose the nonperforming assets in such a critical transition period for China will be given: Including asset management panies to promote the innovation of mercialization, the establishment of a favorable external environment, the transformation of government functions, improve bank credit management mechanism and the establishment of a more mature capital market.Keywords: Commercial banks, Nonperforming asset, Existing Problems, Solutions重慶大學(xué)本科學(xué)生畢業(yè)論文 目 錄目 錄摘 要 IAbstract II目 錄 IV1 緒 論 1 1 1 1 2 22 我國(guó)不良資產(chǎn)現(xiàn)狀及
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