国有商业银行不良资产的阶段性累积分析毕业论文（设计）..docVIP

有商业银行不良资产的阶段性累积分析 银行不良资产问题己成为当今的一个世界性难题。不仅银行业、金融界，而且各国政府 及社会各界都普遍关注。综观世界历史，历次银行危机、金融危机乃至经济危机的爆发无一 不与银行不良资产相关。1997年爆发的亚洲金融危机即是由于银行不良资产过度积累而引 发。据统计，在国际货卬基金组织成员国屮有60%以上的国家因不良资产问题导致了银行 业危机，其中不仅有发展中国家，也有发达国家。因此，国有商业银行不良资产风险的有效 防范和化解在当前经济转轨时期显得尤为重要，这在很大程度上决定了国有企业改革和宏观 经济结构调整的目标和效果。本文即将就此问题作以较深入的分析和探讨。 关键词：国有商业银行；不良资产；阶段性累积分析 Abstract: The non-performing assets of banks has become a worldwide problem today. Not only the banking sector, financial sector, governments and the community are of common concern. Looking at the history of the world, the previous banking crisis，financial crisis as well as the economic crisis are all related to banks’ bad assets. The 1997 outbreak of the Asian financial crisis that is caused by excessive accumulation of bad assets of banks. According to statistics，more than 60 percent of the country due to non-performing assets led to a banking crisis in a member of the International Monetary Fund, which is not only developing but also developed countries. Therefore，the risk of bad assets of state-owned commercial banks to effectively prevent and resolve is particularly important in the current economic transition period, which largely determines the objectives and outcomes of state-owned enterprise reform and macroeconomic structural adjustment. This article is about to issue a more in-depth analysis and discussion. Keywords: state-owned commercial banks; non-performing assets; stage cumulative analysis TOC \o 1-5 \h \z 及关键词 1 g录 1 一、 相关概念界定 3 HYPERLINK \l bookmark2 \o Current Document \h （一） 不良资产 3 HYPERLINK \l bookmark3 \o Current Document \h （二） 我国不良资产判断标准 3 HYPERLINK \l bookmark4 \o Current Document \h （三） 不良资产的影响 3 二、 我国国有商业银行不良资产现状 4 HYPERLINK \l bookmark5 \o Current Document \h （一） 不良资产总量巨大，不良资产率高 4 HYPERLINK \l bookmark6 \o Current Document \h （二） 可疑类和损失类贷款比重大 4 HYPERLINK \l bookmark7 \o Current Document \h （三） 经济欠发达地区不良贷款率高 4 HYPERLINK \l bookmark8 \o Current Document \h （四） 不良资产化解速度趋缓 5 三、 国有商业银行不良资产的产生的危害 6 HYPERLINK \l bookm