我国国有商业银行不良资产处置模式研究

发布时间：2018-07-03 21:01

本文选题：我国 + 国有　；参考：《山东大学》2012年硕士论文

【摘要】：在全国金融会议召开之后,国务院明确提出,到2005年,我国国有商业银行不良资产占总资产的比例下降到15%以下的战略目标。国有商业银行不良贷款占有率长期以来居高不下,其中既有制度的原因,也有自身经营管理理念落后的因素。随着经济金融化的程度越来越高,国民经济对金融机构的经营效率提出了更高的要求,这就要求金融机构更好的发挥其服务于经济社会建设的功能。为此,我国自上世纪末开始也对国有商业银行的不良贷款比例过高的问题给予了一定的重视,在1999年成立了四大贷款管理公司专门处理国有银行的不良贷款问题。其采取的主要方式是债转股和打包销售等传统方法,但其效果并不显著。本文旨在研究不良贷款处置的模式,希望在分析传统模式的基础上予以创新,夯实不良贷款处理的理论基础,并希望对我国国有商业银行和股份制商业银行的不良贷款处理方法提出一些建议,使其发挥好金融基础设施的服务功能。所以,对该问题的研究既具有理论意义,又不乏实践指导作用。一方面,从理论意义上而言：有助于完善不良贷款形成的理论机制,从理论上找到不良贷款形成的根源,能为我们正确处置不良贷款具有指导意义；有助于补充我国不良贷款处理模式的理论基础,从理论上找到处置不良贷款的方法论基础；另一方面,从实践方面而言：提升国有商业银行的经营效率,从而提升其市场竞争力,使其在激烈的市场竞争中立于不败之地；更好地发挥其服务于经济建设的中心任务,银行在金融体系中居于主体地位,银行体系的良好运行,是经济健康发展的重要保证。本文阐述的不良贷款处置模式主要有：银行自主处置模式、AMC模式、证券化模式、债转股模式、打包销售模式和交易中心模式。除了阐述其具体的操作内容之外,还进一步分析各模式对我国的适应性。“他山之石,可以攻玉”,取他人之长,为我所用。
[Abstract]:After the National Financial Conference was held, the State Council clearly proposed that by 2005, the proportion of non-performing assets of state-owned commercial banks to the total assets fell to less than 15% of the strategic target. The share of bad loans of state-owned commercial banks has been high for a long time. With the increasing degree of economic financialization, the national economy has put forward higher requirements for the operational efficiency of financial institutions, which requires financial institutions to better play their function of serving the economic and social construction. Therefore, since the end of the last century, China has also paid attention to the problem of excessive proportion of non-performing loans in state-owned commercial banks. In 1999, four major loan management companies were set up to deal with the problem of non-performing loans of state-owned banks. The main methods are debt to equity and package selling, but the effect is not remarkable. The purpose of this paper is to study the model of the disposal of non-performing loans, hoping to innovate on the basis of analyzing the traditional models, and consolidate the theoretical basis of dealing with non-performing loans. The author also hopes to put forward some suggestions on how to deal with non-performing loans of state-owned commercial banks and joint-stock commercial banks so as to give full play to the service function of financial infrastructure. Therefore, the study of this issue has both theoretical significance and practical guidance. On the one hand, from the theoretical point of view: help to improve the theoretical mechanism of the formation of non-performing loans, theoretically to find out the root of the formation of non-performing loans, for us to correctly deal with non-performing loans have a guiding significance; It is helpful to supplement the theoretical basis of the processing mode of non-performing loans in China and to find the methodological basis for dealing with non-performing loans in theory; on the other hand, from the practical point of view: to enhance the operational efficiency of state-owned commercial banks, In order to enhance its market competitiveness, make it in an invincible position in the fierce market competition, better play its central task of serving the economic construction, the bank occupies the main position in the financial system, and the banking system runs well. It is the important guarantee that economy develops healthily. The disposal modes of non-performing loans described in this paper are as follows: bank independent disposal model, securitization model, debt to equity model, package sales model and transaction center model. Besides expounding its concrete operation content, it also analyzes the adaptability of each mode to our country. "other mountain stone, can attack jade", take the advantage of others, for my use.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

【参考文献】