论不良资产处置中的法律问题

发布时间：2018-04-04 05:56

本文选题：不良资产　切入点：处置　出处：《华南理工大学》2010年硕士论文

【摘要】：近年来,各商业银行、金融资产管理公司加快处置大量不良资产,为我国不良资产处置开辟了一个广阔的市场。如何处置巨额的不良资产,实现最大限度保全资产和减少损失,对我国国民经济的稳健运行具有重要意义。本文从不良资产及处置的一般理论出发,结合目前我国不良资产的成因、现状及处置的发展脉络,联系国外不良资产处置的主要模式、经验及启示,对我国不良资产处置的宏观环境进行了分析,指出我国目前的宏观环境并不利于不良资产的快速有效处置。阐述了我国不良资产处置中目前存在的法律问题,重点分析了不良资产证券化和债权转股权两种处置方式,论证了资产证券化在我国实施的可行性,阐明了其运行中可能出现的法律障碍,并为资产证券化在我国的实施进行了立法设计。通过分析债权转股权过程中的法律关系、程序安排,指出其在运行中应注意的问题,并提出若干建议。在对我国主要不良资产处置方式分析论述的基础上,得出了我国的不良资产处置需要制定《金融资产管理公司法》和建立个人破产制度的结论,同时加大不良资产处置工作的司法支持。从改善我国不良资产处置的宏观环境出发,提出应建立完善的融资渠道,分散银行信贷风险,大力发展资本市场,健全社会信用体系,加强对社会中介机构的管理等措施。同时,应积极引入外资参与我国不良资产的处置。
[Abstract]:In recent years, commercial banks and financial asset management companies have speeded up the disposal of a large number of non-performing assets, which has opened up a broad market for the disposal of non-performing assets in China.How to dispose of large amount of non-performing assets, realize maximum preservation of assets and reduce losses is of great significance to the steady operation of our national economy.Based on the general theory of non-performing assets and its disposal, combined with the causes, present situation and developmental context of non-performing assets in China, this paper links with the main modes, experiences and revelations of the disposal of non-performing assets in foreign countries.This paper analyzes the macro-environment of the disposal of non-performing assets in China, and points out that the present macro-environment is not conducive to the rapid and effective disposal of non-performing assets.This paper expounds the legal problems existing in the disposal of non-performing assets in China, analyzes emphatically the two disposal methods of non-performing assets securitization and creditor's rights to equity, and proves the feasibility of asset securitization in our country.This paper expounds the possible legal obstacles in its operation, and designs the legislation for the implementation of asset securitization in China.By analyzing the legal relationship and procedural arrangement in the process of transferring creditor's rights to equity rights, this paper points out the problems that should be paid attention to in operation, and puts forward some suggestions.On the basis of analyzing and discussing the disposal mode of the main non-performing assets in our country, the conclusion is drawn that the financial assets management company law and the personal bankruptcy system should be established in our country for the disposal of the non-performing assets.At the same time, increase the judicial support for the disposal of non-performing assets.In order to improve the macro environment of the disposal of non-performing assets in China, this paper puts forward some measures such as establishing perfect financing channels, dispersing the credit risk of banks, developing capital market vigorously, perfecting the social credit system and strengthening the management of social intermediary institutions.At the same time, we should actively introduce foreign capital to participate in the disposal of China's non-performing assets.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D922.28

【参考文献】