论我国商业银行金融不良债权的转让.pdfVIP

论我国商业银行金融不良债权的转让 摘 要 商业银行金融不良债权主要产生于商业银行的贷款业务。它是由商业银行向借款人发放 货币借款后因各种原因导致无法收回或少量收回的债权。按照中国银监会颁布的贷款风险五 级分类标准，是属于次级、可疑和损失类的贷款债权。金融不良债权本质是一种债权，按照 其法律属性，是可以转让的，但由于国家有关法规政策的限制，目前商业银行金融不良债权 可以转让给金融资产管理公司，并不能直接转让给社会投资者，而金融资产管理公司可以将 受让的金融不良债权再行转让给社会投资者。 本文首先介绍了商业银行金融不良债权转让的含义、特点和法律依据。其次，以金融资 产管理公司较为成熟的转让模式为例，介绍了金融不良债权转让的基本模式，并指出建立规 范的金融不良债权转让模式，一要遵循金融不良债权转让的原则，二要采用有效的定价方式， 三要选择适当的金融不良债权的转让方式。然后，探讨商业银行金融不良债权直接转让给社 会投资者的相关问题，目前我国商业银行金融不良债权直接转让给社会投资者存在法律、政 策及司法实践等方面的诸多问题。最后，为维护金融秩序，防止国有资产流失，对如何完善 我国金融不良债权转让相关制度提出建议，金融资产管理公司的转让模式对商业银行金融不 良债权直接转让给社会投资者的转让模式是否可以借鉴，值得研究。 关键词：商业银行，不良债权，债权转让 2 The Transfer of China’s Commercial Bank NPL ABSTRACT Commercial bank NPL arising primarily from the commercial bank lending. It is a commercial bank loan to the borrower after payment of money for various reasons can not be recovered or small claims recovery. According to China Banking Regulatory Commission issued five loan risk classification standards are substandard, doubtful and loss categories loan debt. The nature of NPL is a creditor, in accordance with its legal attributes, can be transferred, but the relevant state laws and regulations policy in the current commercial bank NPL can be transferred to the financial asset management companies, but not directly transferable to the social investors, and financial asset management companies can be transferred in the NPL transferred to social investors. This paper introduces the non-performing loans of commercial banks finance the transfer of meaning, characteristics and legal basis. Second, The mature transfer mode of financial asset management companies, for example, describes the transfer of NPL basic model, and pointed out that the establishment of standardized NPL transfer mode, one should follow the principle of transfer of NPL, second to develop ef