宁夏银行不良资产处置研究

发布时间：2018-04-19 12:04

本文选题：银行不良资产 + 处置　；参考：《宁夏大学》2014年硕士论文

【摘要】：不良资产是银行稳健发展的威胁,也是导致经济危机发生的重要原因。近年来,我国商业银行迎来一个快速、稳定发展时期,不良贷款率控制在合理范围内。但自2012年以来,随着中国经济结构调整和增长的放缓,部分行业产能过剩突出,企业生产亏损、停产情况不断发生,商业银行信贷风险显著上升,不良资产管控压力逐渐增大,日益成为我国商业银行经营发展面临的突出问题。面对不良资产对商业银行经营的巨大威胁,急需商业银行研究制定应对和防范措施,增强不良资产处置能力,有效控制不良资产增加。本文通过理论分析的方法介绍国内外不良资产处置的经验和做法,并用实证分析的方法分析我国商业银行不良资产的成因及处置方法。笔者在宁夏银行从事不良资产处置工作,从历史和现实的角度分析宁夏银行不良资产的成因,对宁夏银行不良资产的管理现状进行介绍,并在自身工作经验的基础上提出宁夏银行不良资产处置的意见和建议。作为一家中小商业银行,宁夏银行虽然保持较低的不良资产率,但在不良资产处置制度建设、人才储备、激励机制、管理理念方面还存在诸多不足,应当从不良资产防范、完善组织架构、培养专业化人才、建设不良资产处置的专业化团队、创新不良资产处置方式、加强风险控制方面进行改进和提高,从而有效推动宁夏银行不良资产处置工作,为宁夏银行持续稳健发展奠定基础。
[Abstract]:Bad assets are a threat to the steady development of banks and an important cause of economic crisis.In recent years, China's commercial banks usher in a rapid and stable development period, the non-performing loan rate is controlled within a reasonable range.But since 2012, with the adjustment of China's economic structure and the slowdown of growth, overcapacity has become prominent in some industries, enterprises have lost money in production, shutdown has occurred continuously, credit risks of commercial banks have increased significantly, and the pressure of non-performing asset control has gradually increased.Increasingly, commercial banks in China are facing outstanding problems in their business development.Faced with the great threat of non-performing assets to commercial banks, it is urgent for commercial banks to study and formulate countermeasures to enhance the ability to deal with non-performing assets and effectively control the increase of non-performing assets.This paper introduces the experience and practice of non-performing assets disposal at home and abroad through the method of theoretical analysis, and analyzes the causes and disposal methods of non-performing assets of commercial banks in China with the method of empirical analysis.The author is engaged in the disposal of non-performing assets in Ningxia Bank, analyzes the causes of non-performing assets in Ningxia Bank from the perspective of history and reality, and introduces the present situation of the management of non-performing assets in Ningxia Bank.On the basis of its own working experience, the paper puts forward the opinions and suggestions on the disposal of non-performing assets of Ningxia Bank.As a small commercial bank, Ningxia Bank maintains a low rate of non-performing assets, but there are still many deficiencies in the construction of non-performing assets disposal system, talent reserve, incentive mechanism and management concept, which should be prevented from non-performing assets.To improve the organizational structure, train specialized talents, build specialized teams for the disposal of non-performing assets, innovate the way of disposal of non-performing assets, and strengthen the risk control to improve and improve, so as to effectively promote the disposal of non-performing assets in Ningxia Bank.For Ningxia Bank to lay the foundation for sustained and steady development.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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