新常态下商业银行不良贷款处置问题研究

发布时间：2017-12-31 02:10

本文关键词：新常态下商业银行不良贷款处置问题研究　出处：《甘肃金融》2016年05期 　论文类型：期刊论文

【摘要】：文章总结了国外处置商业银行不良贷款的经验做法以及我国商业银行不良贷款情况及处置措施,分析了我国商业银行不良货款化解处置存在债务承接落实难度大、司法清收总体收效小、核销处置主动意愿低、传统处置方式的处置成本较大、资产管理公司买方垄断地位增加成交难度、向社会投资者转让不良贷款的司法实践不统一等困难及问题,提出了通过构建良好的法律环境、建立良好的资产管理公司运作模式、加强经济下行形势下信用环境的建设等措施加快我国商业银行不良贷款处置的建议。
[Abstract]:This paper summarizes the experience of foreign countries in dealing with non-performing loans of commercial banks, as well as the situation of non-performing loans of commercial banks in China and the measures to deal with them. This paper analyzes the difficulty of debt undertaking and implementation in resolving and disposing of bad loans in commercial banks in China, the small overall effect of judicial liquidation, the low willingness to write off and dispose, and the higher disposal cost of the traditional way of disposal. The buyer's monopoly position of asset management company increases the difficulty of transaction, and the judicial practice of transferring non-performing loans to social investors is not unified, and puts forward the construction of a good legal environment. To establish a good operation mode of asset management companies and to strengthen the construction of credit environment in the downward economic situation and other measures to speed up the disposal of non-performing loans of commercial banks in China.
【作者单位】：中国银监会阳泉监管分局;
【分类号】：F832.4
【正文快照】： 国外处置商业银行不良贷款的经验做法(一)制订处置政策和制度。为稳定银行业运行,各国政府通过出台专门法案,建立银行不良资产处置的政策框架。一是成立相应机构救助银行。如瑞典通过《巩固金融系统法》,成立瑞典银行援助局,采取对银行注资、为银行债务提供担保和剥离银行不良

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