我国不良资产国有银行现状处理方法(doc 14页).pptVIP

NPLs of Chinese State-owned Banks:Current Status, Origins and Disposal Methods M. Chen, C. Jia and X. Xu Guanghua School of Management Peking University Overview of China’s Banking Sector Brief history Before 1979: PBC 1979-84: Establishment of four SOCBs 1986- : Establishment of joint-stock banks 2001- : City Commercial Banks Market share by assets (Q3, 2004) SCOBs: 54.1% Joint-stock banks: 14.6% NPLs of Four SOCBs NPLs of Four SOCBs Origins of NPLs Policy loans SOEs versus private sector High level of debt of Chinese companies Interest rate control Low base rate; lower than USA, India and