我国有银行不良资产的成因与对策_毕业论文.doc

题目：我国有银行不良资产的成因与对策 毕 业 论 文 PAGE IV PAGE III 我国国有银行不良资产的成因与对策 摘要 20世纪80年代末以来，世界许多国家的金融行业出现了损害金融稳定与安全的巨额不良资产，导致了整个银行业的危机，破坏了国民经济的正常运行。而2008年由美国次贷危机引起的全球金融危机给全球各国敲响了警钟，进一步说明了巨额不良贷资产存在的危害性以及处理不良资产的紧迫性。 我国国有商业银行最近几年以来通过不断摸索创新，以及采用多种处置不良资产的方法相结合的方式实现了连续多年不良资产规模和不良资产率的“双降”任务。但依然没有从根本上解决不良资产的问题。本文从多个角度分析我国国有商业银行不良资产形成的原因（既有国有银行自身的原因，也有政府干预的因素，同时还受社会信用环境、金融监管等因素影响）。并对不良资产带来的危害进行了阐述，从而提出有效可行的处置措施和预防对策。 关键词：不良资产；成因；对策；金融监管 The Non-performing assets of a bank Causes and Countermeasures ABSTRACT In the 1980s, since the end of the many countries in the worlds financial industries for damage to the financial stability and security in the huge negative assets, the banking crisis, disrupt the normal operation. and in the spreading subprime mortgage crisis caused by the united states of the global financial crisis gave the alarm has rung a further reason huge bad credit assets of the magnitude and with the negative assets of urgency. Our state-owned commercial banks in recent years by trial and error, and the more negative assets to be disposed of in the combination of the way to achieve a series of years of bad assets scale and bad drop of the task. but still not solve radically the problem of negative assets. From the perspective of many state-owned commercial banks of the reasons for the formation of non-performing assets (both state-owned banks own reasons, but also factors in government intervention, but also by the social credit environment, financial regulation and other factors.) And the harm caused by non-performing assets were described, and to recommend possible measures to deal effectively and preventive measures. Keywords：Nagative assets ；Causes；Countereasures；Financial regulation 目录 TOC \o 1-3 \h \z \u 1绪论 1 1.1研究的目的及意义 1 1.2国内外研究现状 1 1.2.1国外研究现状综述 1 1.2.2国内研究现状综述 2 2不良资产的概述 3 2.1不良资产的界定 3 2.2 国有商业银行不良资产的现状 3 3不良资产的成因及危害 6 3.1不良资产形成原因 6 3.1.1外部原因 6 3.1.2内部原因 7 3.2不良资产带来的危害 8 3.2.1给银行自身带来的危害 8 3.2.2对金融系统的影响