不良资产回收率定价和市场化实习报告

发布时间：2018-07-01 19:58

本文选题：不良资产 + 回收率　；参考：《首都经济贸易大学》2013年硕士论文

【摘要】：我国从曾经的计划经济逐渐转变为现今的市场经济,由于历史因素伴随着相当规模的不良资产沉淀,由于规模的庞大,需要建立专门机构进行管理和处置,四大资产管理公司应运而生,通过从开始的借鉴国外不良资产处置的经验到现在的自发建立符合本国情况的不良资产定价体系,我国处置不良资产所走的这条路并不孤独,很多国内外学者和研究机构为此不断努力着。不良资产的产生因素很多,国内外环境对它有着重要的影响,随着不良资产理论的不断进步,不良资产的处置正在积极寻找最优方案,此时不良资产定价成为处置中重要的部分,寻找符合不良资产的定价理论也成为关注的焦点。在不良资产定价理论中有很多相关领域的介入,不良资产定价关系到整个不良资产处置过程定性问题,不良资产的合理定价关系到不良资产的回收程度,同时也对评价体系有着很大的影响。本文通过查阅相关文献积极寻找更适合中国国情的定价理论。在考虑不良资产定价同时,不良资产的前景也尤为关注,它未来发展方向直接关系到定价体系的发展,此时信用风险等一系列问题也就出现了。现今国内外也积极寻求回收率更高的方法,当然各国也在市场中寻求帮助,不良资产市场化为不良资产的定义开创了新的道路,市场化当然也在不断地摸索中前进,同时面临很多现实的问题。证券化可能是现有经验中成效最好的形式,随着不良资产处置市场化的推进,相信不良资产的道路也会渐渐清晰。
[Abstract]:China has gradually changed from a planned economy to a market economy. Because of the historical factors accompanied by a considerable amount of non-performing assets precipitation, because of the large scale, it is necessary to establish a special organization for management and disposal. Four major asset management companies have emerged as the times require. From the beginning of drawing lessons from the experience of foreign non-performing assets disposal to the spontaneous establishment of a pricing system for non-performing assets in accordance with the domestic situation, the road of disposal of non-performing assets in China is not lonely. Many scholars and research institutions at home and abroad are making great efforts to this end. There are many factors to produce non-performing assets, and the environment at home and abroad has an important impact on it. With the continuous progress of the theory of non-performing assets, the disposal of non-performing assets is actively looking for the best solution. At this time, the pricing of non-performing assets has become an important part of disposal, and the search for pricing theory in accordance with non-performing assets has also become the focus of attention. There are many related fields in the theory of non-performing assets pricing. The pricing of non-performing assets is related to the qualitative problem of the whole process of non-performing assets disposal, and the reasonable pricing of non-performing assets is related to the recovery degree of non-performing assets. At the same time, it also has a great impact on the evaluation system. This article looks up the related literature to look for the pricing theory which is more suitable for China's national conditions. In considering the pricing of non-performing assets, the prospect of non-performing assets is also particularly concerned. The future direction of its development is directly related to the development of pricing system. At this time, a series of problems such as credit risk appear. Nowadays, both at home and abroad, we are actively seeking ways to achieve higher recovery rates. Of course, countries are also seeking help in the market. Marketization of non-performing assets has opened up a new path for the definition of non-performing assets, and marketization of course is also moving forward in the process of constant exploration. At the same time, it faces many practical problems. Securitization may be the most effective form of existing experience. With the marketization of non-performing assets disposal, I believe the path of non-performing assets will gradually become clear.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2;F224

【引证文献】