现阶段城市商业银行不良资产处置对策研究

发布时间：2018-03-30 23:14

本文选题：城市商业银行　切入点：不良资产　出处：《安徽大学》2016年硕士论文

【摘要】：银行业的良好运行对一个国家的经济稳定至关重要,所以银行业的安全发展刻不容缓,但是即使在当局的高度重视下,很多国家还是发生了银行系统的严重性问题,究其原因主要还是由于不良资产过多造成的。银行业的安全发展主要在于对不良资产的良好管控之中,不仅要控制不良资产的总量,更要把银行原有的不良资产进行重新利用,让银行的不良资产起死回生,重新进入银行的运营内容中,减弱过多的不良资产对银行安全发展造成的负面影响,也让银行有更多的能力抵御外部因素所带来的风险。我国银行主体很大一部分是各个城市的商业银行,如果这些城市商业银行都存在大量不良资产的问题,那么我国银行业的整体安全发展堪忧。根据银监会统计的报表,截至2015年年底,我国商业银行不良资产已达到1.27万亿元,新增4318亿元,较2014年增加51.2%①。在这样的大环境下,怎样尽快处置不良资产,降低银行经营风险,提高银行经营利润,已成为银行业持续良好经营的重要前提。在此背景下,本文首先详细阐述了研究的背景、目的、意义及国内外研究的现状,国内外研究现状从不良资产形成的原因和不良资产处置进行研究；其次,通过对城市商业银行不良资产的现状开始分析其宏观方面和微观方面的成因,宏观方面的原因包括经济环境、特殊经济体制、监管体系和法律法规是否完善,微观方面的原因包括贷款者资金状态、城市商业银行市场竞争力和自身治理及风险管控机制是否完善；再次,从城市商业银行不良资产处置的现行措施主要是诉讼追偿、债务核销、不良资产置换、不良资产打包出售、不良资产剥离和债转股入手,对目前处置不良资产的这些措施进行具体分析,提出处置过程中可能遇到的一系列问题；接着,再借鉴发达国家主要是韩国、日本和美国商业银行处置不良资产的经验,得出了相应的启示；最后,提出现阶段我国城市商业银行处置不良资产的新思路与措施。针对我国的城市商业银行现状,本文主要建议城市商业银行应该探索尝试不良资产证券化模式；紧密联系当地政府,依靠当地政府出台的政策支持,积极发挥政府的指导作用；借助互联网平台,整合多方面资源,实现“互联网+不良资产”处置模式,公平高效地处置不良资产；重视风险管理,把不良资产扼杀在摇篮中,合理有效的运用不良资产处置的传统手段和新型手段,最大化的处置存量和增量的不良资产,加快城商行的发展步伐。
[Abstract]:The sound operation of the banking sector is vital to the economic stability of a country, so the safe development of the banking industry is urgent. But even with the great attention of the authorities, many countries still have serious problems with the banking system.The reason is mainly due to non-performing assets caused by too much.The security development of the banking industry mainly lies in the good control of the non-performing assets. It is necessary not only to control the total amount of the non-performing assets, but also to reuse the non-performing assets of the banks, so that the bad assets of the banks can come back to life.To re-enter the operation of banks, reduce the negative impact of excessive non-performing assets on the security development of banks, but also make banks more able to resist the risks brought by external factors.Most of the banks in China are commercial banks in various cities. If the commercial banks in these cities have the problem of a large number of non-performing assets, the overall security development of the banking industry in our country is worrying.By the end of 2015, China's commercial banks' non-performing assets had reached 1.27 trillion yuan, an increase of 431.8 billion yuan, an increase of 51.2 percent over 2014, according to the CBRC's statistics.Under such circumstances, how to deal with non-performing assets as soon as possible, reduce the risk of bank operation, and improve the operating profit of banks has become an important prerequisite for the continued good operation of the banking industry.Under this background, this paper first elaborated the research background, the purpose, the significance and the domestic and foreign research present situation, the domestic and foreign research present situation from the bad assets formation reason and the bad assets disposition carries on the research; secondly,Through the analysis of the status quo of non-performing assets in urban commercial banks, the causes of its macro and micro aspects are analyzed, including the economic environment, the special economic system, the regulatory system and the perfection of laws and regulations.The microcosmic reasons include the state of the lender's funds, the market competitiveness of the city commercial banks and the perfection of their own governance and risk control mechanism. Thirdly, the current measures to deal with the non-performing assets of the city commercial banks are mainly litigation recovery.Starting with cancellation of debts, replacement of non-performing assets, packaging and sale of non-performing assets, divestiture of non-performing assets and conversion of debt to equity, this paper makes a concrete analysis of these measures to deal with non-performing assets at present, and puts forward a series of problems that may be encountered in the process of disposal.Then draw lessons from the experience of the commercial banks of Korea, Japan and the United States in dealing with non-performing assets in the developed countries, and draw the corresponding enlightenment. Finally, the author puts forward new ideas and measures for the disposal of non-performing assets in China's urban commercial banks at the present stage.In view of the current situation of urban commercial banks in China, this paper mainly suggests that city commercial banks should explore the model of non-performing assets securitization, closely contact with local governments, rely on the policy support of local governments, and give full play to the guiding role of the government.With the help of Internet platform, integrating various resources, realizing the disposal mode of "Internet non-performing assets", dealing with non-performing assets fairly and efficiently, paying attention to risk management, killing non-performing assets in the cradle,Reasonable and effective use of the traditional and new means of non-performing assets disposal, maximize the disposal of stock and increment of non-performing assets, accelerate the pace of development of commercial banks.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33

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