中国信达金融不良资产商业化经营模式的研究

发布时间：2018-01-05 14:01

本文关键词：中国信达金融不良资产商业化经营模式的研究　出处：《宁夏大学》2016年硕士论文　论文类型：学位论文

【摘要】：中国信达资产管理股份有限公司(简称“中国信达”)前身为中国信达资产管理公司,是1999年国家为解决四大国有商业银行的不良资产成立的四大资产管理公司之一。至2006年,包括中国信达在内的四家资产管理公司对政策性接收四大国有商业银行的不良资产处置完毕,自此,中国信达开始了商业化改革的进程。作为四家资产管理公司中率先完成改制、引入战略投资者、上市三步走的中国信达,拥有着保险、信托、证券等多种金融牌照,现已逐步发展成为以不良资产经营为核心,以其他金融服务为重点的多元化金融集团。近几年来由于国家宏观经济下行,产业结构转型升级,金融不良资产大批量的暴露。传统的金融不良资产经营模式资金占用大、运营周期长、未发挥出中国信达的协同优势的问题日益显现,已不能适应公司发展的需要。因此,采用何种模式在日趋复杂的经济环境下经营好金融不良资产,如何提高整个金融不良资产经营、处置的效率成为了资产管理公司重要的课题。本文立足于中国信达,从微观的角度,运用多种分析方法,对中国信达金融不良资产的经营模式进行研究,并分析了传统经营模式的优点和局限性。针对中国信达的实际,借鉴国外类似机构的成功经验,提出中国信达应针对项目特点,适当采用以资产包为标的利用基金进行管理、重组债务企业的经营模式对金融不良资产进行有效管理、处置的建议。
[Abstract]:China Cinda Asset Management Corp (hereinafter referred to as "China XinDa") formerly known as Chinese XinDa Asset Management Co, is the 1999 National four Asset Management Co to solve one of the four major state-owned commercial banks non-performing assets was established. By 2006, four Asset Management Co including Chinese XinDa, the policy of receiving the disposal of non-performing assets of the four state-owned commercial banks completed, since then, China XinDa started the business in the process of reform. As the four Asset Management Co to complete the restructuring, the introduction of strategic investors, listed the three step in the country has a XinDa, insurance, trust, securities and other financial licenses, has gradually developed into a non-performing asset management as the core, to other financial services as the focus of the diversified financial group. In recent years due to the national macroeconomic downturn, the transformation and upgrading of industrial structure, financial non-performing assets Exposure in large quantities. The traditional financial non-performing assets management mode of funds, operation cycle is long, did not play the synergy problem of China XinDa has appeared, has been unable to meet the development needs of the company. Therefore, the mode of operation of financial non-performing assets in the increasingly complex economic environment, how to improve the financial side asset management and disposal efficiency become an important issue of Asset Management Co. This paper is based on the China XinDa, from the micro perspective, using various analytical methods to study the China XinDa financial non-performing assets management mode, and analyzes the advantages and limitations of the traditional business model. According to the actual Chinese XinDa, foreign successful experience in similar the proposed mechanism, China XinDa should be aimed at the characteristics of the project, by using the appropriate package of assets subject to fund management, debt restructuring of enterprises Business model for effective management of financial non-performing assets, the disposal of the proposal.

【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.39

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