国有企业不良贷款的处置及监管研究-以国有商业银行为例.docVIP

国有企业不良贷款的处置及监管研究 ——以国有商业银行为例 TOC \o 1-3 \h \z \u 摘 要 I Abstract II 一、绪 论 1 二、文献综述 1 三、不良贷款的界定与分类情况 3 四、不良贷款的现状 4 （一）不良贷款的总体规模 5 （二）不良贷款的主要构成 5 （三）不良贷款处置的方法措施 6 五、造成不良贷款的原因 8 （一）商业银行内部因素 8 （二）社会环境的外部因素 9 六、针对国有商业银行不良贷款的解决措施 10 （一）银行加强内部管理以及提升人员素养 10 （二）银行要完善贷款风险管理的制度 11 （三）大力提倡社会诚信风气 11 （四）政府采取措施清查与完善不良贷款相关法律 12 七、结论 12 参考文献 14 PAGE PAGE 12 PAGE PAGE 3 摘 要 在当下我国经济飞速发展的时期，应加紧重视国有商业银行在我国国有经济中的地位，不良贷款的存在的确不仅会给银行本身带来难题也会给我国的经济发展带来很大阻碍。通过以上对国有银行不良贷款的一系列分析，理清了目前不良贷款的具体定义，当前我国国有银行的不良贷款的形势依然很严峻不容我们轻视，为了降低不良贷款的比率现行的针对不良贷款的措施各有优缺点，将不良贷款控制在一个可以承受的范围，分析造成这些情况产生的原因，通过一系列改进措施可以降低目前的不良贷款率，国有银行有一个良好健全的发展趋势，提升整个银行业的竞争协作能力，我国金融行业也会随之向前发展，能够避免一定金融风险产生的可能性。因此对于不良贷款的防范以及改进处置措施，防止金融危机的产生具有深远意义。 关键词：国有银行；不良贷款；信用风险 Research on the disposal and supervision of non-performing loans of state-owned enterprises -- a case study of state-owned commercial banks Abstract In the current period of rapid economic development in China, we should pay more attention to the status of state-owned commercial banks in Chinas state-owned economy, the existence of non-performing loans will not only bring difficulties to the banks themselves but also hinder the economic development of our country. Through the above analysis of the non-performing loans of the state-owned banks, the specific definition of the current non-performing loans is clarified. The current situation of the non-performing loans of the state-owned banks in China is still very serious and can’t be ignored by us, in order to reduce the ratio of non-performing loans, the current measures for non-performing loans have their own advantages and disadvantages, and to keep non-performing loans within an acceptable range, and to analyze the causes of these situations, through a series of improvement measures, the present non-performing loan rate can be reduced, the state-owned banks have a good and sound development trend, and the competition and cooperation ability of the entire b