民生银行CD分行不良资产处置策略研究

发布时间：2018-09-08 07:56

【摘要】：2008年金融危机之后,全球经济持续低迷,我国实体经济亦遭到重创,传统制造业面临艰难转型。作为经济晴雨表的金融行业遭遇史上最大资产荒,同时存量贷款风险频发、不良资产指标加速恶化,资产质量受到重大挑战。在此背景下,商业银行不良资产的处置化解能力日益成为影响银行核心竞争力的重要因素。故对我国商业问题及不良资产的处置化解策略研究是必要的且有深刻的现实意义。本文以银行传统不良贷款即狭义的不良贷款的研究为出发点,采用实地调研法、案例分析法、比较分析法等方法,对民生银行CD分行的不良资产现状及其产生原因与处置措施进行了研究。借鉴美国、日本、波兰等国家各个主要时期的不良资产的处置策略,总结经验教训,从内因、外因、宏观、微观等多个角度来分析民生银行CD分行不良贷款的成因。得出结论:银行不良资产一方面由于自身风险管理制度不完善、国家行政干预等客观因素造成的;另一方面相关信贷、风险管理人员职业操守缺乏、无视国家、行业及银行内部的法律法规制度,甚至恶意串通谋取个人私利亦造成了大量不良资产的产生。一方面与整体经济不景气、良好的社会信用制度未建立、企业及个人信用意识不强、监管乏力、司法保障制度不健全等宏观环境相关,另一方面与具体银行内部的风险偏好、政策倾向、客户群体的行业集中度、奖惩制度等息息相关。本文的创新之处在于第一次提出了广义不良资产和狭义不良资产的概念,将关注类贷款定义为问题贷款,纳入广义不良资产的范畴。通过具体案例分析阐明问题资产研究的重要性、必要性及紧迫性。提出如何有效管理问题资产是预防和减少实质不良资产产生的重要关卡,降低问题资产的下迁率是提高不良资产管理效率的重要环节。本文通过具体案例分析总结了问题资产管理的有效方法,提出了操作性强的具体对策,从而为同行在不良资产处置的漫漫长路上提供新的思路和途径。
[Abstract]:After the financial crisis in 2008, the global economy continued to be depressed, the real economy of our country was also hit hard, and the traditional manufacturing industry was facing a difficult transition. As an economic barometer, the financial industry has encountered the biggest asset shortage in the history. At the same time, the risk of stock loan is frequent, the index of non-performing assets is deteriorating rapidly, and the quality of assets has been greatly challenged. In this context, the ability to dispose of non-performing assets of commercial banks has increasingly become an important factor affecting the core competitiveness of banks. Therefore, it is necessary and meaningful to study the disposal strategies of commercial problems and non-performing assets in China. In this paper, the bank's traditional non-performing loans, that is, the narrow non-performing loans as the starting point, the use of field research, case analysis, comparative analysis and other methods, This paper studies the current situation of bad assets in CD Branch of Minsheng Bank and its causes and disposal measures. Drawing lessons from the disposal strategies of non-performing assets in the major periods of the United States, Japan, Poland and other countries, this paper sums up the experience and lessons, and analyzes the causes of non-performing loans in CD branch of Minsheng Bank from the angles of internal, external, macro and micro. The conclusion is: on the one hand, the non-performing assets of banks are caused by the imperfection of their own risk management system and the intervention of state administration; on the other hand, the related credit, the lack of professional integrity of risk management personnel, and the disregard of the country, Laws and regulations in the industry and banks, even malicious collusion for personal gain, have resulted in a large number of non-performing assets. On the one hand, it is related to the macro environment, such as the overall economic depression, the absence of a good social credit system, the weak credit consciousness of enterprises and individuals, the weak supervision and judicial security system, etc. On the other hand, it is related to the internal risk preference of specific banks. The policy tendency, the industry concentration degree of the customer group, the reward and punishment system and so on are closely related. The innovation of this paper is that the concept of generalized non-performing assets and narrow non-performing assets is put forward for the first time, and the concerned loans are defined as problem loans and brought into the category of generalized non-performing assets. The importance, necessity and urgency of the research on the problem assets are illustrated through the concrete case analysis. It is pointed out that how to effectively manage the problem assets is an important barrier to prevent and reduce the production of the real non-performing assets, and to reduce the down-moving rate of the problem assets is an important link to improve the efficiency of the management of the non-performing assets. This paper summarizes the effective method of the problem asset management through the concrete case analysis, and puts forward the concrete countermeasure with strong maneuverability, thus provides the new thought and the way for the colleague in the long road of the disposal of the bad assets.
【学位授予单位】：广西师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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