防范和化解银行不良资产的对策（Countermeasures to prevent and resolve bad assets of banks）.docVIP

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防范和化解银行不良资产的对策（Countermeasures to prevent and resolve bad assets of banks）.doc

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防范和化解银行不良资产的对策（Countermeasures to prevent and resolve bad assets of banks）

防范和化解银行不良资产的对策（Countermeasures to prevent and resolve bad assets of banks） The biggest risk for Chinas banking sector is the $7 billion in bad loans. The cost of economic reform will swallow up the fruits of economic reform. The financial times, Goldman Sachs, Moodie and CLSA have also published research reports on Chinas banking sector, warning of the status of bad loans. The problem of non-performing assets of banks has become the shackles that perplex and restrict the healthy development of Chinas financial system and economy, and the accumulation of non-performing assets of financial institutions is the biggest hidden danger of the financial crisis. Therefore, the prevention and resolution of non-performing assets should be one of the focuses of credit and even overall work of banks. First, the causes of non-performing assets (I) external causes 1., the market economy is not perfect. From the planned economy to market economy, the coexistence from single ownership of public ownership economy to a variety of mixed economic transformation, the transformation from professional banks to commercial banks in China only a few years time, resulting in distorted or contrary to the economic, financial, legal, social and civil environment, the bank the commercial loan market, transaction integrity principle can not really carry out. Bank loans have to work around the governments baton or interest oriented, non-performing assets by the snowball for days and months multiplying, and the formation of the situation, leadership rendered ineffectual by recalcitrant subordinates. 2., the legal system environment is not perfect. Since 1994, the commercial banking law, the guarantee law, the general rules of loans and the bankruptcy law and the company law have been promulgated and implemented earlier, Although set up legal environment under the market economy behavior of enterprises and commercial banks, but on the whole is not perfect, especially in the legal system of the protect