RR银行不良贷款成因分析与对策研究

发布时间：2018-04-26 12:38

本文选题：不良贷款 + 商业银行　；参考：《天津商业大学》2014年硕士论文

【摘要】：不良贷款是诱发金融危机的重要指标，也是决定银行盈利力和核心竞争力的重要因素。作为商业银行风险的核心，不良贷款的风险不但表现为影响商业银行经营目标的实现导致信誉受损，还影响社会经济效益直至形成社会风险，最终引起社会动荡和不安。经过近30多年的经营以及近几年来政治经济的环境影响，RR银行积累了大量的不良贷款，严重威胁着该行的稳健发展，因此研究RR银行不良贷款的影响因素和防范措施，对RR银行保持盈利能力和抗风险能力具有一定的意义和现实意义。在论文的前言部分，，主要介绍了不良贷款的研究意义和研究背景，以及国内外的研究成果，并对国内外研究成果进行了简单评述。在此基础上，研究了银行不良贷款的基本理论，结合RR银行现状和银行所在地区现状，具体分析产生不良资产的原因以及产生的影响，据此逐条分析考虑可行的处置方法以及预防对策，力求在已有理论的基础上，最大限度的结合实际，为解决实际问题出谋划策。
[Abstract]:Non-performing loan is an important index to induce financial crisis, and also an important factor to determine the profitability and core competitiveness of banks. As the core of commercial bank's risk, the risk of non-performing loan not only affects the realization of commercial bank's management goal, but also affects the social economic benefit until it forms social risk, and finally causes social unrest and uneasiness. After more than 30 years of operation and the environmental impact of politics and economy in recent years, RR bank has accumulated a large number of non-performing loans, which has seriously threatened the steady development of the bank. Therefore, the influencing factors and preventive measures of RR bank non-performing loans have been studied. It has certain significance and practical significance for RR bank to maintain profitability and risk-resistant ability. In the preface of the paper, the significance and background of the research on non-performing loans are introduced, as well as the research results at home and abroad, and a brief review of the research results at home and abroad is made. On this basis, the basic theory of non-performing loans of banks is studied. Combining with the current situation of RR banks and the regional situation of banks, the causes and effects of non-performing assets are analyzed in detail. According to this, the feasible disposal methods and preventive countermeasures are analyzed and considered one by one. Based on the existing theories, the author tries his best to combine the actual situation with the existing theories, and gives some suggestions for solving the practical problems.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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