商业银行不良贷款成因及风险控制研究-北京银行杭州分行视角-research on the causes and risk control of non-performing loans of commercial banks - from the perspective of hangzhou branch of bank of beijing.docxVIP

浙江工业大学硕士学位 浙江工业大学硕士学位论文 商业银行不良贷款成因及风险控制研究-北京银行杭州分行视角 万方数据 万方数据 商业银行不良贷款成因及风险控制研究 -北京银行杭州分行视角 摘 要 近几年，受国内外经济金融形势影响，我国金融业发展步入较为艰难局面, 企业逃废债、个体老板跑路等现象日益增多，银行业不良贷款持续上升，已经严 重影响到了金融业的持续可健康发展。如何既能有效控制不良贷款增长、有效处 置不良资产，又能确保银行业务平稳有序发展，成了包括北京银行在内的所有国 内商业银行亟需研究的课题。 本论文以北京银行杭州分行不良贷款管理现状为研究对象，在结合国内外经 济学界不良贷款成因的理论研究成果基础上，运用比较法、案例分析法等研究方 法，通过大量的数据支撑，对商业银行不良贷款管理中存在的问题和不足进行了 剖析，最后提出了完善商业银行不良贷款处置和防范的措施建议。 本文可能的创新之处：本论文提出的不良贷款解决方案具有充分的数据支撑 和具体实例依据，具备较强的可操作性。而由于北京银行在我国商业银行发展史 上具有较好的示范效应，本论文形成的一套商业银行不良贷款处置和防范措施， 对于其他商业银行也具有一定的推广、借鉴意义。 关键词：北京银行杭州分行，不良贷款，处置防范 I Causes of bad loans and Risk Control of Commercial Banks Bank of Beijing Branch ，Hangzhou Perspective Abstract In recent years, by the impact of domestic and international economic and financial situation, development of Chinas financial industry into a more difficult situation, enterprises the default, individual boss on foot and so increasing non-performing loans continued to rise in the banking sector, it has seriously affected the financial sector continued to healthy development. How can effectively control the growth of non-performing loans, the effective disposal of bad assets, but also to ensure a smooth and orderly development of banking services, including all domestic commercial banks has become urgent research topics, including Bank of Beijing. In this paper, the status quo NPL management Beijing Branch of Bank of Hangzhou for the study, the results of basic research in theoretical economic circles at home and abroad on the causes of non-performing loans, the use of comparative law, case studies and other research methods, through a lot of data to support, for business bad bank loan management problems and deficiencies that exist were analyzed, and finally put forward measures to improve the disposal of non-performing loans of commercial banks and prevention recommendations. NPL solutions proposed in this paper have sufficient data to support and specific examples based, with a strong operational. And because the Bank of