银行不良资产检讨报告(共8篇).docxVIP

银行不良资产检讨报告(共8篇) 　　银行不良资产分析　　摘要　　商业银行在历史上积累了巨额的不良资产，而目新的不良资产正在不断的形成，不良资产的总额正在不断增大，已经形成的不良资产有不断恶化的趋势。这直接影响到国家的金融安全和经济的稳定运行，并目已经引起社会各方的高度重视。本文以我国的商业银行为例，深入研究了不良资产的形成原因，并结合我国的实际情况提出了防范和化解商业银行不良资产的对策。首先阐述了商业银行不良资产的定义以及现状，然后分析了商业银行不良资产形成原因分析，最后对商业银行不良资产的防范提出了对策建议。　　关键字：商业银行；不良资产；监管体制；银行信贷　　Abstract　　CommercialBanksaccumulatedhugenon-performingassetsinhistory,andtheformationofnewbadassetsisincreasingly,thetotalamountofthebadassetsisincreasing,haveformedthebadassetshavetheworseningtrend.Thisdirectlyaffectthecountrysfinancialsecurityandthestableoperationoftheeconomy,andhasattractedmoreattentionfromthesociety.Basedonourcountrycommercialbankasanexample,thispaperdeeplystudiedthereasonsfortheformationofnon-performingassets,andcombinedwiththeactualsituationofourcountryputforwardthecountermeasurestoguardagainstanddissolveofnon-performingassetsofcommercialBanks.Firstexpoundsthedefinitionofnon-performingassetsofcommercialBanksandthestatusquo,andthenanalysisthecauseanalysisofcommercialbanknon-performingassets,finallyproposescountermeasuresandSuggestionsofnon-performingassetsofcommercialBankstoguardagainst.　　Keywords:commercialBanks;Thebadassets;Regulatorysystem;Bankcredit　　目录　　摘要........................................................................................................................1　　Abstract..................................................................................................................2　　引言........................................................................................................................4　　一、商业银行不良资产的定义及现状................................................................4　　不良资产的含义................................................................................4　　商业银行不良资产的现状................................................................5　　二、商业银行不良资产的成因分析....................................................................6　　体制改革不同步造成的影响............................................................6　　信贷资金财政化造成的影响.....