我国国有商业银行不良资产的成因及对策研究精选.docVIP

我国国有商业银行不良资产的成因及对策研究 1 良资产必须标本兼治,把存量风险化解与增量风险防范结合起来。 本文共分五章,第一章是导论。主要说明国有商业银行不良资产的研究背景 和意义、研究现状、研究方法和结构安排。第二章首先对商业银行不良资产的概 念和范围进行界定,然后对我国国有商业银行不良资产的现状进行分析,阐明了 不良资产的存在所产生的危害性。第三章首先对国有商业银行不良资产的形成过 程进行分析,在此基础上,从内因与外因两个方面来对不良资产的形成原因进行 分析,指出不完善的产权制度是产生国有商业银行不良资产的根源。第四章是对 不良资产管理的国际经验进行分析。通过对国外银行不良资产管理经验的比较, 得出对解决我国国有商业银行不良资产的启示。第五章是对解决国有商业银行不 良资产风险问题的对策进行分析。首先通过对存量风险与增量风险概念的界定, 并通过动态变化模型来说明不良资产增量风险的规避重于存量风险的化解。要彻 底解决不良资产问题,必须把存量风险化解和增量风险防范结合起来,尤其更要 注重增量风险的防范。在解决对策上,本文从两个方面入手:一是存量风险化解, 即采取各种措施处置不良资产存量,尽可能地盘活和回收不良资产;二是增量风 险防范,即通过各种改革措施和制度完善来消除不良资产产生的根本机制,从根 本上解决国有商业银行的不良资产。 关键词:不良资产; 产权制度; 风险约束机制; 存量化解; 增量防范2 Abstract Finance is the core of the modern market economy. No matter in any country, the sound and stable operation of finance is an important condition that the national economy operates steadily and soundly. Since the 1980s, the worldwide financial crises took place constantly, and soundly the accumulation of huge non-performing assets in banks was one of the main reasons, which caused the financial crises. Not only the developing countries, but also the developed countries are all plagued with a large amount of non-performing assets of commercial banks. The problem of non-performing assets of commercial banks has already become a ubiquitous outstanding problem in current economies of countries all over the world. Though no financial crises took place in our country, the lesson that the crises brought to the countries where they took place provides food for our thought. In the course of promotion of the economic system reform, finance is playing a more and more important role in the national economy of our country and has made a great contribution to the sustained, fast and sound development of the national economy of our country. Following the outburst of the international financial crises, the risk of the state-run commercial banks that occupy the absolute predominance in our countrys banking begins to be paid attention to by peopleAt present, t