發(fā)布時(shí)間：2018-04-04 05:56

  本文選題：不良資產(chǎn)　切入點(diǎn)：處置　出處：《華南理工大學(xué)》2010年碩士論文

【摘要】：近年來,各商業(yè)銀行、金融資產(chǎn)管理公司加快處置大量不良資產(chǎn),為我國不良資產(chǎn)處置開辟了一個(gè)廣闊的市場。如何處置巨額的不良資產(chǎn),實(shí)現(xiàn)最大限度保全資產(chǎn)和減少損失,對我國國民經(jīng)濟(jì)的穩(wěn)健運(yùn)行具有重要意義。本文從不良資產(chǎn)及處置的一般理論出發(fā),結(jié)合目前我國不良資產(chǎn)的成因、現(xiàn)狀及處置的發(fā)展脈絡(luò),聯(lián)系國外不良資產(chǎn)處置的主要模式、經(jīng)驗(yàn)及啟示,對我國不良資產(chǎn)處置的宏觀環(huán)境進(jìn)行了分析,指出我國目前的宏觀環(huán)境并不利于不良資產(chǎn)的快速有效處置。闡述了我國不良資產(chǎn)處置中目前存在的法律問題,重點(diǎn)分析了不良資產(chǎn)證券化和債權(quán)轉(zhuǎn)股權(quán)兩種處置方式,論證了資產(chǎn)證券化在我國實(shí)施的可行性,闡明了其運(yùn)行中可能出現(xiàn)的法律障礙,并為資產(chǎn)證券化在我國的實(shí)施進(jìn)行了立法設(shè)計(jì)。通過分析債權(quán)轉(zhuǎn)股權(quán)過程中的法律關(guān)系、程序安排,指出其在運(yùn)行中應(yīng)注意的問題,并提出若干建議。在對我國主要不良資產(chǎn)處置方式分析論述的基礎(chǔ)上,得出了我國的不良資產(chǎn)處置需要制定《金融資產(chǎn)管理公司法》和建立個(gè)人破產(chǎn)制度的結(jié)論,同時(shí)加大不良資產(chǎn)處置工作的司法支持。從改善我國不良資產(chǎn)處置的宏觀環(huán)境出發(fā),提出應(yīng)建立完善的融資渠道,分散銀行信貸風(fēng)險(xiǎn),大力發(fā)展資本市場,健全社會信用體系,加強(qiáng)對社會中介機(jī)構(gòu)的管理等措施。同時(shí),應(yīng)積極引入外資參與我國不良資產(chǎn)的處置。
[Abstract]:In recent years, commercial banks and financial asset management companies have speeded up the disposal of a large number of non-performing assets, which has opened up a broad market for the disposal of non-performing assets in China.How to dispose of large amount of non-performing assets, realize maximum preservation of assets and reduce losses is of great significance to the steady operation of our national economy.Based on the general theory of non-performing assets and its disposal, combined with the causes, present situation and developmental context of non-performing assets in China, this paper links with the main modes, experiences and revelations of the disposal of non-performing assets in foreign countries.This paper analyzes the macro-environment of the disposal of non-performing assets in China, and points out that the present macro-environment is not conducive to the rapid and effective disposal of non-performing assets.This paper expounds the legal problems existing in the disposal of non-performing assets in China, analyzes emphatically the two disposal methods of non-performing assets securitization and creditor's rights to equity, and proves the feasibility of asset securitization in our country.This paper expounds the possible legal obstacles in its operation, and designs the legislation for the implementation of asset securitization in China.By analyzing the legal relationship and procedural arrangement in the process of transferring creditor's rights to equity rights, this paper points out the problems that should be paid attention to in operation, and puts forward some suggestions.On the basis of analyzing and discussing the disposal mode of the main non-performing assets in our country, the conclusion is drawn that the financial assets management company law and the personal bankruptcy system should be established in our country for the disposal of the non-performing assets.At the same time, increase the judicial support for the disposal of non-performing assets.In order to improve the macro environment of the disposal of non-performing assets in China, this paper puts forward some measures such as establishing perfect financing channels, dispersing the credit risk of banks, developing capital market vigorously, perfecting the social credit system and strengthening the management of social intermediary institutions.At the same time, we should actively introduce foreign capital to participate in the disposal of China's non-performing assets.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2010
【分類號】：D922.28

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本文編號：1708653