我国商业银行不良贷款成因.doc

集美大学工商管理学院 毕业设计（论文） 题 目 我国商业银行不良贷款成因　 届： 2015届 专 业： 工商管理 学生姓名： 学 号： 2011610023 指导老师： 李淑钗 职 称： 讲师 2016年 3月 我国商业银行不良贷款成因 [摘要] 近年来银行不良资产持续膨胀，巨额不良贷款的存在依靠银行自身的力量难以解决，并且制约金融体制的改革和进一步对外开放，在一定条件下银行体系的系统性风险会危及国家金融安全。伴随着金融全球化的进程和加入WTO后我国金融体制改革步伐的加快?，银行业的风险也将随之加大。我国长期以来积累的不良贷款主要是由于旧有体制造成。除此之外，政府、银行和企业作为利益相关者也对不艮贷款的形成负有一定责任。随着金融资产管理公司的成立和商业银行股份制改革，不良贷款呈现出新的特色。笔者就不良贷款成因的特殊性、不良贷款治理过程、及其治疗后果等思路等提出了自己的观点。论文首先阐述了商业银行的重要地位和历史包袱；其次分析了商业银行不良贷款原因；最后，给出了降低不良贷款的对策；论文认为，我们应该减少政府对银行的干预，让商业银行真正按商业原则经营，成为真正的银行。 [关键词] 不良贷款；成因；债转股；对策 The causes of non-performing loans of commercial banks in China [Abstract] in recent years, the continuous expansion of non-performing assets of banks and huge non-performing loans relies on the presence the banks own strength is difficult to solve, and control of the financial system reform and further opening to the outside world, in certain conditions the systemic risks in the banking system will endanger the countrys financial security. With the financial globalization process and Chinas accession to the WTO after the pace of Chinas financial system reform to accelerate the, banking risk also will subsequently increase. Chinas long-term accumulation of non-performing loans is mainly due to the old system. In addition, the government, banks and enterprises as stakeholders on the formation of Gen loan bears some responsibility. With the establishment of Asset Management Co financial and Commercial Bank shareholding reform, non-performing loans has shown new features. The author put forward his own views on the particularity of bad loans, the management process of bad loans, and the results of treatment and so on. First of all, this paper expounds the important role and historical burden of commercial banks; second, analysis of the causes of non-performing loans of commercial banks. At the end of the p