论不良资产对我国国有商业银行的困扰及其解决途径政治经济学专业论文.docxVIP

河北大学经济学硕士学位论文 河北大学经济学硕士学位论文 目 目 录 PAGE PAGE IV Abstract The question of the banks bad assets is the main barrier which our country finance system deepening reform faces, the bad assets comparison lead high is a significant risk of the financial industry existence. The China four big state-owned commercial banks –Industrial and commercial bank of China , China construction bank, Bank of China and Agricultural Bank of China is the main body of the Chinese financial organ, It is playing the prop role in the Chinese national economy development. At the same time, there are 90% bad assets of the state-owned commercial bank concentrates in the four big commercial banks. Therefore resolving four big state-owned commercial banks bad assets will become the key that handles the bad property problem of banks. This article will divide the bad assets into two parts according the bad assets’ forming time on the discussion. The first part, the storage bad assets, formed before 1996. Mainly is as a result of the system factor, comes from the policy-type loan, the emphasis point should be under the government leadership each correlation department collaborates to melt the bad assets. The second part, the new bad assets, produced after 1996. This part of bad assets mainly are as a result of the bank own system reason, it should be resolved by the banks themselves. The emphasis point is supposed to be prevent the new massive bad assets production and the bank own system construction consummation. Keywords the bad assets the storage bad assets the new bad assets policy-type loans the bank system construction 目 录 引 言…………………………………………………………………………………………1 第 1 章 存量不良资产的历史形成……………………………………………………………3 1.1 存量不良资产的形成原因……………………………………………………………3 1.1.1 宏观体制性因素………………………………………………………………3 1.1.2 企业自身的体制和行为惯性因素……………………………………………5 1.1.3 银行自身的原因………………………………………………………………7 1.1.4 存量不良资产形成的其他原因……………………………………………10 1.2 存量不良资产的形成阶段…………………………………………………………11 1.2.1 计划经济体制下的未发期…………………………………………………11 1.2.2 不良资产产生期……………