郑州银行不良资产处置研究

发布时间：2018-03-30 03:32

本文选题：郑州银行　切入点：不良资产　出处：《郑州大学》2017年硕士论文

【摘要】：不良资产问题一直是我国银行业所面临的、需要解决的问题。随着我国市场经济的发展和经济结构的不断调整,中国经济的增长速度开始逐渐回落,我国经济开始进入新的发展阶段。在新的环境下,中国银行业逐渐开始呈现出增长规模减缓、信用风险加剧等趋势,影响着我国银行业的资产质量。城市商业银行作为我国银行业的重要组成部分,在促进城市区域经济发展和服务城市金融等方面发挥着十分重要的作用。郑州银行作为河南城市商业银行的中坚力量,其不良资产额和不良资产率也呈现出上升趋势,不利于银行自身以及地区经济的健康发展和稳定。近年来,郑州银行发展迅速,综合实力进一步增强,但随着我国经济的转型,其资产规模的增长也呈现出放缓趋势,存在着风险抵御能力不足,业务种类单一等问题。受经济环境、地方政府、法律环境、银行自身以及借款人等多重因素的影响,郑州银行的不良资产呈现出规模增加的趋势,同时不良资产率也逐年增高。其不良资产呈现出产业与地区集中等特点。郑州银行目前对不良资产的处置主要是通过依法清收、债务重组、呆账核销、保全以及转让出售等方式进行。其中也存在着一定的问题,如不良资产管理理念落后、处置手段单一、受外部环境限制、专业人员不足等。为提高郑州银行不良资产的处置效率,首先要转变不良资产管理理念,正确认识不良资产的价值,通过分类的方式有针对性的进行不良资产处置,提高处置效率;然后要加强不良资产处置方式的创新,积极发挥市场作用,不断挖掘新技术在不良资产处置工作上的应用;其次要积极与金融资产管理公司、信托公司等其他金融机构进行合作,丰富不良资产处置渠道;再次还要在减少政府干预的同时借助政府力量加大不良资产的清收,积极配合地方经济的建设,维护良好的外部环境;最后要重视不良资产专业团队的建设,提高处置工作的专业化程度。除此之外还要加强银行内部控制体系的建设,将内控体系落到实处,从源头上控制不良资产的新增。
[Abstract]:The problem of non-performing assets has been in China's banking industry, the problems need to be solved. With the continuous adjustment of the development of China's market economy and the economic structure, Chinese economic growth rate began to decline, China's economy has entered a new stage of development. In the new environment, the banking industry began to appear gradually China the scale of growth slowed down, the credit risk increasing trend, affecting the quality of Chinese banking assets. City commercial banks as an important part of China's banking industry, plays a very important role in promoting city regional economic development and financial services and other aspects. Zhengzhou city banks as the backbone of Henan City Commercial Bank. The amount of non-performing assets and non-performing assets rate also showed a rising trend, and is not conducive to economic stability and healthy development of the bank itself and the region. In recent years, the rapid development of the Bank of Zhengzhou, comprehensive To further enhance the strength, but with the transformation of China's economy, the growth of assets is also showing a slowdown trend, there is a lack of ability to resist risks, problems of a single type of business. By the economic environment, the local government, legal environment, influence of banks and borrowers of multiple factors, Zhengzhou bank non-performing assets show the scale of increase, while the ratio of non-performing assets increased year by year. The bad assets presents the characteristics of industry and area. The Bank of Zhengzhou at the disposal of non-performing assets is mainly through the collection in accordance with the law, debt restructuring, write offs, preservation and transfer way of sale. There are some problems, such as bad assets backward management, disposal means a single, subject to external constraints, the shortage of professional staff. In order to improve the efficiency of the disposal of non-performing assets of the Bank of Zhengzhou, we must first change the bad Asset management philosophy, a correct understanding of the value of non-performing assets, through the way of classification for the disposal of non-performing assets, improve the efficiency of disposal; and to strengthen the innovation of disposal of non-performing assets, and actively play the role of the market, continue to tap the application of new technology in the disposal of non-performing assets; secondly to actively and conduct financial Asset Management Co. Cooperation between trust companies and other financial institutions, rich channels of the disposal of non-performing assets; thirdly, to reduce government intervention at the same time by the government to increase the power of NPAs, actively cooperate with the local economic construction, to maintain a good external environment; finally, to pay attention to the construction of the professional team of non-performing assets, improve the degree of specialization disposal. In addition to the construction of this will strengthen the bank's internal control system, internal control system will be implemented, the new control of bad assets from the source.

【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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