江苏射阳农村商业银行不良贷款的现状、成因及防控研究

发布时间：2019-05-12 01:17

【摘要】：银行应该全面提高竞争力和适应力,为应对全面放开银行经营业务的竞争环境做好充分的准备。文章从多个角度讲述银行如果无法按期收回贷款,将会带来多方面的负面影响：一方面它会有效降低银行资本的比例,提高银行资产虚化率；另一方面,会提高商业银行的负债率,扩大负债比例。银行会因为资产虚化而无法收回贷款本息。负债比例的提高会增加利息成本。二者同时发挥作用,会造成银行入不敷出,降低还贷能力,利润不断压缩,如果上述问题趋于严重,会导致银行破产倒闭。坏账的持续增加,会给银行带来严重的影响,面对巨额不良信贷资产,银行的资产质量会不断下降,从而增大信贷风险。银行产生的大量呆账坏账,一方面导致信贷本金无法按期收回,另一方面,银行还要为不良贷款支付利息。如此一来,银行的经营效益必然受到严重影响,趋于亏损。综合分析不同国家的银行资产收益率,不难看出,如果不良贷款比例持续增大,银行总利润会走向下坡路。大量信贷资金无法收回,还会直接降低银行资金的流动性,从而产生流动性风险。发生不良信贷,就意味着银行难以按期支付本息给储户。首先银行面临巨额亏损,盈利能力不断降低,资本实力不断被削弱。其次,由于银行经营能力和盈利能力不断下降,储户也将会面临严重的风险,因为一旦银行无法偿还本息,储户就无法收回之前的存款和利息,遭受直接经济损失。在本文中,将总结并利用中外对不良信贷的研究成果和文献,用以分析江苏射阳农村商业银行不良信贷产生的原因,同时提出应对措施。文章仔细分析了金融机构不良信贷产生的原因,并以江苏射阳农村商业银行为例,针对其不良资产产生的原因进行了深入研究,并提出了有效应对不良信贷的措施,为破解射阳农村商业银行面临的不良资产问题提供了明晰的工作思路和建议,不断提高其在金融行业内的竞争力,审视造成江苏射阳农村商业银行不良信贷的原因,在充分进行理论论证的基础上,给出有效的应对方法,切实解决不良信贷资产问题。
[Abstract]:Banks should improve their competitiveness and adaptability in an all-round way, and make full preparations for the competitive environment of liberalizing the banking business in an all-round way. This paper states that if the bank can not withdraw the loan on time, it will bring many negative effects: on the one hand, it will effectively reduce the ratio of bank capital and improve the imaginary rate of bank assets; On the other hand, it will increase the debt ratio of commercial banks and enlarge the debt ratio. Banks will be unable to recoup the principal and interest on their loans because of the vanity of their assets. An increase in the debt-to-debt ratio will increase the cost of interest. At the same time, they will cause banks to overrun their income, reduce their ability to repay loans, and keep their profits compressed. If the above problems tend to be serious, they will lead to bank failure. The continuous increase of bad loans will bring serious impact to banks. In the face of huge amount of non-performing credit assets, the quality of assets of banks will continue to decline, thus increasing the risk of credit. Banks generate a large number of bad loans, on the one hand, the credit principal can not be recovered on time, on the other hand, banks have to pay interest on non-performing loans. In this way, the operational efficiency of banks must be seriously affected, tend to loss. It is not difficult to see that if the proportion of non-performing loans continues to increase, the total profits of banks will go downhill through a comprehensive analysis of the return rate of banks' assets in different countries. A large number of credit funds can not be recovered, but also directly reduce the liquidity of bank funds, resulting in liquidity risk. The occurrence of non-performing credit, means that banks are difficult to pay principal and interest to depositors on schedule. First of all, banks face huge losses, profitability is declining, capital strength is constantly weakened. Second, depositors will also face serious risks because of the declining operating and profitability of banks, because once banks are unable to repay their principal and interest, depositors will not be able to recover their previous deposits and interest and suffer direct economic losses. In this paper, we will summarize and utilize the research results and literatures of non-performing credit at home and abroad to analyze the causes of non-performing credit in rural commercial banks in Sheyang, Jiangsu Province, and put forward some countermeasures at the same time. This paper carefully analyzes the causes of non-performing credit in financial institutions, and takes Jiangsu Sheyang Rural Commercial Bank as an example, makes a deep study on the causes of its non-performing assets, and puts forward some effective measures to deal with non-performing credit. It provides clear working ideas and suggestions for solving the problem of non-performing assets faced by Sheyang rural commercial banks, constantly improving their competitiveness in the financial industry, and examining the causes of non-performing credit of rural commercial banks in Sheyang, Jiangsu Province. On the basis of full theoretical argumentation, this paper gives effective countermeasures to solve the problem of non-performing credit assets.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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