商业银行不良资产重组问题分析1.docVIP

成人教育学生毕业论文 商业银行不良资产重组问题分析题 所学专业 金融学 入学年度 学习地点（函授站） 学生姓名 指导教师 完成日期 毕业论文任务书 学生姓名 入学年度 专业6年6月-2016年8月：完成文献资料的收集阅览，对涉及的相关问题形成初步认识；确定课题基本研究方案。9、10。6年11月 撰写论文、修改定稿。 指导教师的评阅意见： 答辩委员会意见： 摘要 贷款是商业银行的基本业务之一,所有商业银行都要不断地大量发生贷款业务,这就难免发生一定数量的不能按期收回或收不回的贷款。我国商业银行的问题是不良资产过多,如不尽快加以解决,将带来一系列严重后果。 我国商业银行体系内存在着巨额不良资产,这些巨额不良资产降低了资产的盈利性、安全性和流动性,与我国《商业银行法》所规定的经营原则相背离,危及整个银行体系的稳定性,蕴藏着巨大的金融风险。解决我国商业银行的不良资产问题，必须把国际经验教训和商业银行的不良资产现状结合起来，综合运用不良资产重组的各种手段，有针对性地设计国有商业银行不良贷款重组的战略和措施，循序渐进，来逐步化解已经累积的不良资产风险 。 关键词：不良资产、特点、难点、重组策略。 Abstract Loans of commercial Banks is one of the basic business, all commercial Banks are to keep a large number of happen loan business, this inevitably occurred a certain number of cant back on schedule or in return of the loan. Our country commercial bank problem is bad assets too much, if not resolved as soon as possible, will lead to a series of serious consequences. Our country commercial bank system exist in huge non-performing assets, these huge non-performing assets to reduce the profitability of assets, safety and liquidity, and our country the commercial bank law of the specified operating principles phase deviation and endanger the stability of the banking system as a whole, containing enormous financial risks. Solve the non-performing assets of commercial Banks in China, must take the international experience and lessons and commercial bank bad assets combine current situation, the integrated use of bad assets reorganization of all kinds of means, in a targeted manner to design the state-owned commercial Banks non-performing loan restructuring strategies and measures, step by step, to gradually resolve has accumulated bad assets risk. Keywords:Non-performing;Assets;characteristics;difficulty;Restructuring and Strategy 目录 摘要 I