民生银行不良资产处置策略研究.docxVIP

民生银行不良资产处置策略研究 摘要 金融体系中一道不可或缺的重耍存在就是商业银行，银行的开展稳定性会对金融体系 的运行产生影响。在商业银行开展过程中不良贷款率、不良贷款余额等会对其开展稳定性 产生影响。银行的不良资产与稳定运行之间存在着紧密关系。同时更与我国社会经济稳定 开展和持续进步有着正向关联。自20XX年以来，我国经济增长速度逐渐放缓，政府不断 调整和优化经济布局和经济结构，国民经济朝着高质量健康的方向开展，与此同时，商业 银行在开展过程中不可防止的会出现不良资产规模增长的开展趋势，最终会导致商业银行 在不良资产处理过程中面临较大的难度。商业银行最近儿年不良贷款率、不良资产规模整 体呈现持续增长的开展趋势。在这样的大背景下，商业银行的不良贷款拨备率整体呈现降 低的开展趋势，目前已经到达了最低标准。对商业银行的不良贷款率进行有效管控，应对 不良贷款，是影响商业银行未来开展的根底。 由于商业银行不良贷款规模的扩大现象因此己经得到金融界的高度关注，我国商业银 行在开展过程中受到202X年新冠肺炎疫情的影响，不良资产显著增长。在商业银行开展 过程中，实体经济工具等的退出一定程度上导致出现了不良贷款反弹的现象。许多学者普 遍认为如何有效处理商业银行不良资产迫在眉睫。故而，做好不良资产的处理至关重要。 基于此，本文针对性的研究分析了在不良资产处理过程中，民生银行的具体处理对策。首 先论述了本文的研究背景，研究内容等相关信息。其次对不良资产的处理模式以及形成原 因等做了具体论述。针对民生银行开展过程中不良资产处理方面存在的问题，对国内外成 功经验进行学习借鉴的根底上提出了相应对策与建议。 关键词：不良资产，处置模式，风险管理 Study on disposal strategy of non performing assets of Minsheng Bank Abstract Commercial banks are an important part of the financial system. The stable development of banks will directly affect the operation of the financial system. The balance of non-performing loans and non-performing loan ratio of commercial banks are one of the important factors affecting their stable development. There is a close relationship between the stable operation of banks and their non-performing assets. At the same time, it is positively related to the stable development and continuous progress of Chinafs social economy. Since 20XX, Chinas economic growth has slowed down gradually, the government has continuously adjusted and optimized the economic layout and economic structure, and the national economy has been developing towards a high-quality and healthy direction. At the same time, the scale of non-performing assets of commercial banks has gradually expanded, and commercial banks are once again facing problems and challenges in dealing with non-performing assets. In recent years, the scale of non-performing assets and non-perfonning loan ratio of most commercial banks in China are on the rise, but the risk prevention index non-perfbrming loan provision ratio is on the decli