商业银行不良贷款问题研究创新点在于内部防控.docVIP

PAGE IV 商业银行不良贷款问题研究 作者姓名:何敏 专业班级:2011080503 指导教师： 杨行 摘 要 随着市场经济的发展，国有银行纷纷进行股份制改革，许多商业银行也逐渐兴起。在复杂的经济形势下，商业银行的发展也面临着新的形势与挑战。不良贷款是制约商业银行发展最重要的因素。本文主要从我国目前不良贷款的现状入手，分析其对商业银行发展以及国家经济的危害。本文在运用文献研究方法的基础上，对我国不良贷款存在的问题和对策进行研究：以我国商业银行不良贷款现状为着手点，总结我国商业银行不良贷款的现状、归纳数据以及研究典型商业银行不良贷款，从中考察其变化与发展的趋势，找出其存在的问题，再制定出适合我国国情发展需要的对策。 关键词：银行不良贷款；现状分析；存在问题；对策 Study on the Problem of Non-performing Loans of Commercial Banks Abstract：With the development of market economy,?the state-owned?banks,?joint-stock reform,?many commercial banks have also?gradually on the rise.?In the complex economic situation,?the the development of commercial bank?is also facing a new situation?and challenges.?More important factor?is?the?development of commercial, banks?non-performing loans.?This paper mainly from the?current?situation?analysis?of?non-performing loans,?its harm to?the national economy and the?development of commercial banks.?In this paper?the use of literature research?method,?research on?the problems and Countermeasures of?non-performing loans in China: the?current situation of?non-performing loans of commercial banks in China?as a starting point,?summed up the?non-performing loans of commercial banks in China,?and the research?status of?data induction?of typical?commercial banks?non-performing loans,?to investigate the?change and development of?the?trend,?find out the existing problems,?and then?develop strategies?suitable for Chinas national conditions?and development?needs. Keywords：Bank non-performing loans；present situation;existence question；countermeasure  目 录 TOC \o 1-4 \h \z \u HYPERLINK 第1章 前 言 1 HYPERLINK 1.1 研究的现实背景及意义 1 HYPERLINK 1.2 国内外研究综述 1 HYPERLINK 1.3 本文的创新性 3 HYPERLINK 1.4本文研究的方法和内容 3 HYPERLINK 第2章 商业银行不良贷款概述 4 HYPERLINK 2.1 不良贷款概况 4 HYPERLINK 2.1.1 不良贷款的基本概念 4 HYPERLINK 2.1.2 不良贷款的分类 4 HYPERLINK 2.2 不良贷款的现状 4 HYPERLINK 2.2.1 不良贷款现状分析 6 HYPERLINK 2.2.2 不良贷款的危害 6 HYPERLINK 第3章 商业银行不良贷款现状原因分析 6 HYPERLINK 3.1商业银行不良贷款内部原因 7 HYPERLINK 3.1.1贷款结构不合理 投放过于