关于处置国有商业银行不良资产问题的研究-金融学专业论文.docxVIP

美于灸置国考离韭镊行不鼗臻产瘸题的萋嚣究 美于灸置国考离韭镊行不鼗臻产瘸题的萋嚣究 摘要 根据我国2001年由日入WT0时的承诺，到2006年我霸金融业将全谢对外开放， 霞悫套融市萌将在委大程度圭疆入全球垒藏钵系，隧麓卦蜜镁行等金藤撬擒瓣灞 入，届时我国国有商业银行必然要蔺临一场前所未有的激烈竞争和挑战。 然两在与蠲际金融监接轨豹过耩中，我国溺有商渡银行耐憾着嗣箍严蕊辫不 良资产蠲邋，遮一溽题的存在不仅严蕊逑疆礴‘了我潼金融落麓漱孳事照酶鬏莽l进 行，制约着我圈金融体系的键康发鼹，也极大地威胁着我国宏观经济的稳滗和良 蛙发熊。 为了解决不莛资产静筵黉阕麓，1999苹我舔先翳成立了信达、华蔽、东方 蒋长城’鞠豢金融资产罄淫公司，从我鬻鬻有裔渡镊牙手中接遭了l+4万亿元瓣幂 良资产。在嬲察资产蛰理公司处置不良资产的实践中，虽然取得了一定的成绩， 僵簸巢并不是臻么懿尽辩天意。魏羚，截至翔2004零3曩寒，我髫龋夫瓣有裔 业银行姻不良贷款余颧又达至4近2万亿元这么～个庞大数字，不良贷款率搿达 21．4％。圆此，如何有效地提麓不良淤产存量娩港髓效率是解决闷题豹一方面， 两只有港翰不嶷瓷产产生靛麓度校潦、耱止薪游不良资产继续增翅方楚鼹决溺惩 的关键所在。 搴文瓣绕骜我溪鬻富蠢、萱羧瓤’不嶷囊产涎瑷扶、熬害及生戏藏毽簿多个蒺嚣 对其震开研究，倍餐{i|=器其稳一些因家在处瑕锻行不庭资产问邃上游经验与教 训，并对我闺瓣翦处攥键行不淹资产静模式邋行努斩评判，嘏厝就如何辩莰我国 国有齑、攮镟稽媳不良燮产同题提惑y若子对象秘建议。 关键蠲：麟豢舞壁镶杼苓囊舞声公司渗壤 lhe lhe Analysis on TreafJnents of Non” Performing Assets Pattern l囊State-owned Coa=mrc i a l Bank Abstract Our country’s finance industry will totally open to the world at 2006．and it will ；merge into the global financial system at larger scale。With the rush ofbanks invested by foreigners，our state—owned commercial banks will have to face fierce competition and challenges which FleVcdr occur, But in the course to connect with international finatlcc industry,OUr statewowned commercial banks have many serious non-performing loans proNems，强is problem seriously hampered the development of our eounuy’s financial system and macro economy． №solve the problem of non-performing loans,Otll7 country has established four financial assets management corporations named XinDa，Huarong，DongFang，and 。e溉geheng，which accepted 1,400 bilIionⅥ燃on-pertbrming loans from four state—owned commercial banks in 1999．In the practice ofeliminating non—performing loans。although w。have make some progress,but the result is not SO good．翻l the end of March 2004，the non-perfomalng loans of our four large state-owned eommereiaI banks is nearly up to 2,000 billion Yuan and the ration of Non-performing assets is also毽p论21，碡％。So襁strengthen the ability to deal with the nonmperfomaing loans is only one side to solve the problems，bu