RR银行不良贷款成因分析与对策研究.pdfVIP

RR 银行不良贷款成因分析与对策研究 摘 要 不良贷款是诱发金融危机的重要指标，也是决定银行盈利力和核心竞争力的重要因素。 作为商业银行风险的核心，不良贷款的风险不但表现为影响商业银行经营目标的实现导致 信誉受损，还影响社会经济效益直至形成社会风险，最终引起社会动荡和不安。经过近30 多年的经营以及近几年来政治经济的环境影响，RR 银行积累了大量的不良贷款，严重威胁 着该行的稳健发展，因此研究RR 银行不良贷款的影响因素和防范措施，对RR 银行保持盈 利能力和抗风险能力具有一定的意义和现实意义。 在论文的前言部分，主要介绍了不良贷款的研究意义和研究背景，以及国内外的研究 成果，并对国内外研究成果进行了简单评述。在此基础上，研究了银行不良贷款的基本理 论，结合 RR 银行现状和银行所在地区现状，具体分析产生不良资产的原因以及产生的影 响，据此逐条分析考虑可行的处置方法以及预防对策，力求在已有理论的基础上，最大限 度的结合实际，为解决实际问题出谋划策。 关键词：不良贷款；商业银行；对策建议 i 万方数据 RR 银行不良贷款成因分析与对策研究 Abstract The non-performing loan rate is an important indicator of induced financial crisis,alsodecided the bank profit ratio and core competitiveness of the important factors. As the coreof commercial bank risk, risk of nonperforming loans showed not only affects commercialbanks to achieve business goals lead to reputation, also affect the social and economicbenefits to form social risk,eventually lead to social unrest and. Reforming and opening 30years, Chinas banking industry has accumulated a large number of non-performing loans,commercial banks non-performing loan rate is much higher than the international warningline, poses a serious threat to our bank system stability, so the study of bad loans in Chinascommercial banks influence factor and the prevention measures, of the financial security ofour country and the economy, social stability has certain theory significance and the practicalsignificance. In the preface of the paper mainly introduces the research background