WZ农行不良资产处置模式研究

发布时间：2018-01-27 04:03

本文关键词： WZ农行不良资产处置模式　出处：《中南大学》2014年硕士论文　论文类型：学位论文

【摘要】：2008年美国次贷危机引发的世界金融危机爆发之后,银行不良资产问题受到全世界的普遍关注,并已经日益成为银行平稳发展的严重威胁。巨额金融不良资产的问题曾经严重影响了世界各国的经济发展,并严重扰乱正常经济秩序。经济滑坡也会影响银行不良资产的产生,两者是循环影响、愈演愈烈的关系。 WZ农行作为商业银行,曾经也受到过巨额不良资产的影响,经过多年的努力,WZ农行的不良资产率目前处于较低的水平。但是WZ农行整体规模较小,经营管理理念有待进一步提高,加之世界金融环境日益复杂,WZ农行面临的经营风险空前加大。由于WZ农行自身的特殊历史背景,其不良资产的处置很大部分是特定历史时期下的特殊方法,对目前和将来WZ农行不良资产处置的借鉴意义不大。因此,在严峻的世界经济整体形势下,WZ农行要实现自身的长远发展目标,就要对经营过程中的可能产生的不良资产有一定的理论研究,提出适宜的处置和防范措施,做好发展的准备和基础性工作。在此背景下,本文通过对WZ农行不良资产特征、处置现状,以及成因的深入研究,为WZ农行构建起一个卓有成效的不良资产处置模式,并希望通过本文的研究为我国商业银行构架起不良资产处置模式起到一定的借鉴作用。本文在国内外关于银行不良资产处置方面的文献综述的基础上,首先对我国商业银行不良资产处置进行概述,探讨国内外不良资产处置的主要模式及借鉴意义；其次对WZ农行不良资产现状及存在的问题进行分析,介绍WZ农行不良资产工作的现状、不良资产情况,并对不良资产的管理现状进行分析,指出其存在的内外部原因,在此基础上探讨WZ农行不良资产集中处置模式的构建,对比了三种主要资产集中处置模式的优缺点,进而提出了基于矩阵式内部集中处置的不良资产管理模式,并提出了WZ农行不良资产集中处置模式的实施保障,从不良资产处置目标、多维分类、尽职调查、资产评估方法选择、处置具体途径等方面提出了WZ农行资产集中处置的保障措施。最后对全文进行总结,提出存在的不足和下一步研究的方向。
[Abstract]:In 2008, after the outbreak of the world financial crisis caused by the sub-prime mortgage crisis in the United States, the problem of non-performing assets of the banks was paid more and more attention all over the world. And has increasingly become a serious threat to the smooth development of banks. The problem of huge amount of non-performing financial assets has seriously affected the economic development of all countries in the world. And seriously disturb normal economic order. Economic decline will also affect the production of non-performing assets of banks. WZ Agricultural Bank, as a commercial bank, has also been affected by a large amount of non-performing assets. After years of efforts, WZ Agricultural Bank of China's non-performing assets rate is at a low level. But WZ Agricultural Bank has a small overall scale. The concept of management needs to be further improved, in addition to the increasingly complex world financial environment WZ Agricultural Bank of China is facing an unprecedented increase in operating risks. Due to the special historical background of WZ Agricultural Bank of China. The disposal of non-performing assets is a special method in a specific historical period, which is of little significance to the current and future WZ Agricultural Bank of China. Therefore, in the severe world economic situation as a whole. If WZ Agricultural Bank wants to realize its long-term development goal, it must have a certain theoretical study on the possible non-performing assets in the course of operation, and put forward appropriate disposal and preventive measures. In this context, through the WZ Agricultural Bank of China, the characteristics of non-performing assets, disposal status, as well as the causes of in-depth research. To construct an effective model for WZ Agricultural Bank of China to deal with non-performing assets, and through the study of this paper, we hope to play a certain reference role in the construction of non-performing assets disposal model of commercial banks in our country. Based on the literature review on the disposal of non-performing assets of banks at home and abroad, this paper first summarizes the disposal of non-performing assets of commercial banks in China. This paper discusses the main modes and significance of the disposal of non-performing assets at home and abroad. Secondly, it analyzes the current situation and existing problems of bad assets of Agricultural Bank of China (ABC), introduces the status quo of non-performing assets work, the situation of non-performing assets, and analyzes the current situation of management of non-performing assets. This paper points out the internal and external reasons of its existence, and on this basis discusses the construction of WZ Agricultural Bank's centralized disposal mode of non-performing assets, and compares the advantages and disadvantages of the three main modes of centralized asset disposal. Then it puts forward the management mode of non-performing assets based on matrix internal centralized disposal, and puts forward the implementation guarantee of WZ Agricultural Bank's non-performing assets centralized disposal mode, from the non-performing assets disposal target, multi-dimensional classification, due diligence. This paper puts forward the safeguard measures of WZ Agricultural Bank's assets centralized disposal from the aspects of the choice of assets evaluation method and the specific ways of disposal. Finally, the paper summarizes the full text, and points out the shortcomings and the direction of further research.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F830.42

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