银行不良资产证券化论文.DOCVIP

经典专科、本科、硕博、研究生、期刊毕业论文 仅供参考 PAGE 精心整理 仅供参考 勿用作商业用途 本科生毕业论文 论文题目：_____________________________ 院(系)别 年级专业 学生姓名 学 号 指导教师 教师职称 定稿日期 答辩日期 上海金融学院教务处制 内容摘要: 随着中国经济体制的不断改革以及外资银行的不断涌入，我国银行业将面临越来越严峻的挑战，各种银行问题也日益显露出来。二十世纪九十年代之后，由于不良资产剧增而引起的金融危机在日本、韩国等等国家频频发生。如今到了我国，不良贷款比率远远超过一些发达国家，过高的银行不良贷款利率所导致的后果就是大大削弱了我国银行的盈利能力，使得我国的银行丧失国家竞争能力，而且加重了我国的财政负担，从而威胁整个银行体系的安全，影响我国经济的发展以及社会的稳定。随着社会发展，新的不良资产问题还要不断产生，如何化解不良资产的风险，是目前我国银行迫切需要解决的问题。银行不良资产可以说是一个世界性的问题，国内外研究者对不良资产的形成原因以及不良资产证券化进行了研究。 关键词:银行 不良资产 证券化 Abstract：With Chinas economic system reform and the continuous influx of foreign banks, Chinas banking industry will face more severe challenges, various banks also is shown increasingly come out. Nineteen ninties, because of non-performing assets increase caused by the financial crisis in Japan,South Korea and so on happen frequently. Now to our country, the ratio of non-performing loans far surpasses that of some developed countries, high non-performing loans rate the result is greatly weakened the profitability of banks, the Bank of our country to lose its competitive ability, but also increase our countrys financial burden, which threaten the safety of bank system, impact on Chinas economic development and social stability. With the development of society, the new non-performing assets will continue to produce, how to resolve non-performing assets risk, is currently Chinas banks is urgent needs to solve the problem. Bad bank assets may say is a world problem, domestic and abroad study on the cause of bad assets and non-performing assets securitization of. 　　Key words：Bank Bad assets Securitisation 目 录 一、我国银行不良资产概述………………………………………………… 3 （一）我国银行不良资产的概念………………………………………………… 3 （二）我国对银行不良资产的分类……………………………………………… 3 （三）我国银行不良资产现状…………………………………………………… 4 （四）我国银行不良资产的影响………………………………………………… 4 二、我国银行不良资产产生的原因…………………………………………… 5 （一）来自于企业……………………………………