HR银行不良资产处置问题研究

发布时间：2018-05-18 10:02

本文选题：HR银行 + 不良资产　；参考：《湖南工业大学》2015年硕士论文

【摘要】：银行业是我国金融体系的重要组成部分,银行业运行状况的好坏直接影响到我国金融市场的稳定,对我国经济发展也有着重要的影响。不良资产作为银行发展过程中必然产物,其规模的不断扩大给中国银行业带来了巨大的隐患。特别是随着我国经济增速下行,各行各业资金吃紧的情况下,我国银行业不良贷款率不断攀升,无论是国有银行、股份制商业银行或是城市商业银行都面临巨大的压力。根据中国银监会披露的最新数据,截至2014年四季度末,中国商业银行不良贷款余额达8426亿元,连续十三个季度上升;不良贷款率为1.25%,亦创近四年新高。银行业不良资产率的不断提高不仅阻碍银行自身持续发展,影响金融行业的稳定,而且还将严重影响我国社会资源的合理配置,也会助长企业不良经营的风气进而危害社会信用制度的建设。本文从我国商业银行不良资产的整体现状出发,首先分析了我国商业银行当前不良资产现状,认为我国商业银行不良资产的产生主要有以下几个方面的原因:政府过度干预、银行内控流于形式、相关法律不健全、社会信用缺乏等方面。随后,本文以城市商业银行HR银行为例,全面总结了HR银行不良资产的现状,深入分析了HR银行不良资产处置过程中存在的问题,认为HR银行在不良资产处置中存在以下问题:存在贷前审核不规范、处置方法单一、内部管理机制不健全以及专业人才匮乏等问题。最后,本文对HR银行不良资产处置问题提出了具体的建议:完善内控制度、严格问责机制、加强处置过程的监督,加强对从业人员的培训,完善激励机制。
[Abstract]:The banking industry is an important part of our financial system. The operation of banking directly affects the stability of our financial market and also has an important impact on the economic development of our country. As an inevitable product of the development of banks, the non-performing assets (NPA) bring huge hidden trouble to the Chinese banking industry with the continuous expansion of its scale. Especially with the decline of economic growth and the shortage of funds in various industries, the non-performing loan rate of China's banking industry is rising. Both state-owned banks, joint-stock commercial banks and urban commercial banks are facing enormous pressure. At the end of the fourth quarter of 2014, China's commercial banks had a non-performing loan balance of 842.6 billion yuan, up for 13 consecutive quarters, while the non-performing loan ratio reached a four-year high of 1.25, according to the latest figures released by the China Banking Regulatory Commission. The unceasing increase in the rate of non-performing assets of the banking industry not only hinders the sustainable development of the banks themselves and affects the stability of the financial industry, but also seriously affects the rational allocation of social resources in our country. It also encourages the bad management of enterprises and endangers the construction of social credit system. Starting from the overall situation of non-performing assets of commercial banks in China, this paper first analyzes the current situation of non-performing assets of commercial banks in China, and points out that there are several main reasons for the emergence of non-performing assets of commercial banks in China: excessive government intervention. Bank internal control is a mere formality, relevant laws are imperfect, and social credit is lacking. Then, taking HR Bank of City Commercial Bank as an example, this paper summarizes the current situation of non-performing assets in HR Bank, and analyzes the problems existing in the process of disposal of non-performing assets in HR Bank. This paper points out that HR bank has the following problems in the disposal of non-performing assets: nonstandard pre-loan audit, single disposal method, imperfect internal management mechanism and lack of professional personnel. Finally, this paper puts forward specific suggestions on the disposition of non-performing assets in HR bank: perfecting internal control system, strict accountability mechanism, strengthening supervision of disposal process, strengthening training of employees and perfecting incentive mechanism.
【学位授予单位】：湖南工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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