【摘要】：隨著中國金融業(yè)的全面對外開放,國內(nèi)金融市場將在更大程度上融入全球金融體系,而且外資銀行等金融機構(gòu)的大量涌入,我國國有商業(yè)銀行必然要面臨一場前所未有的激烈競爭和挑戰(zhàn)。為了提高國有商業(yè)銀行的競爭力,我國政府通過各種方式處置、解決國有商業(yè)銀行的巨額不良資產(chǎn),取得了一定成效。但是不良資產(chǎn)處置是一項長期的工作,不良資產(chǎn)新增的問題依然存在。盡管在不良資產(chǎn)處置問題上我國出臺了一系列的法律和規(guī)章,但是,現(xiàn)行的不良資產(chǎn)處置法律制度仍存在缺陷與不足,缺少相應(yīng)的配套法規(guī),以致在不良資產(chǎn)處置的具體操作中經(jīng)常出現(xiàn)無法可依的尷尬局面。 本文圍繞我國國有商業(yè)銀行不良資產(chǎn)的現(xiàn)狀及成因等問題進行了分析,并對不良資產(chǎn)處置中的若干法律問題進行了思考和研究,提出了要防范和化解我國國有商業(yè)銀行的不良資產(chǎn),需要結(jié)合我國的實際,并借鑒國外不良資產(chǎn)處置的先進經(jīng)驗,從法律層面來加強和保障不良資產(chǎn)的處置,通過各方的共同努力,推動和完善我國國有商業(yè)銀行的改革,化解金融風(fēng)險,促進我國銀行業(yè)健康有序的發(fā)展。 本文主要內(nèi)容如下： 引言：選題的現(xiàn)實意義以及本文的主要內(nèi)容和研究方法。 第一章：本章介紹了我國國有商業(yè)銀行不良資產(chǎn)的內(nèi)涵及認定,對我國國有商業(yè)銀行不良資產(chǎn)的現(xiàn)狀及成因做了幾個層面的分析,并結(jié)合我國國情提出不良資產(chǎn)處置的現(xiàn)實意義。 第二章：對國外處置不良資產(chǎn)進行了比較分析,介紹和分析了美國、韓國、波蘭處置不良資產(chǎn)的法律制度安排和處置效果等等,并對各國處置不良資產(chǎn)的法律經(jīng)驗作了總結(jié)。 第三章：本章對我國國有商業(yè)銀行不良資產(chǎn)處置中的法律問題進行了研究和思考,重點對金融資產(chǎn)管理公司處置不良資產(chǎn)、債轉(zhuǎn)股、利用外資處置不良資產(chǎn)、資產(chǎn)證券化四個方面存在的法律問題進行了研究,并結(jié)合實際提出了一些想法和建議。 第四章：提出對我國國有商業(yè)銀行不良資產(chǎn)處置的法律對策,分別從制定單獨的《金融資產(chǎn)管理公司法》、建立健全債轉(zhuǎn)股法律制度、完善資產(chǎn)證券化的相關(guān)法律規(guī)定、建立社會信用體系等方面構(gòu)想,期望從法律上保障不良資產(chǎn)的處置。 結(jié)束語：總結(jié)本文的主要觀點。
[Abstract]:With the full opening up of China's financial sector, the domestic financial market will be integrated into the global financial system to a greater extent, and a large number of foreign banks and other financial institutions will flood in. China's state-owned commercial banks must face an unprecedented fierce competition and challenges. In order to improve the competitiveness of state-owned commercial banks, our government has achieved certain results by solving the huge amount of bad assets of state-owned commercial banks by various ways. But non-performing assets disposal is a long-term work, the problem of adding non-performing assets still exists. Although China has issued a series of laws and regulations on the disposal of non-performing assets, there are still defects and deficiencies in the current legal system for the disposal of non-performing assets, and there is a lack of corresponding supporting laws and regulations. As a result of the disposal of non-performing assets in the specific operation often can not be relied on the embarrassing situation. This paper analyzes the current situation and causes of non-performing assets of state-owned commercial banks in China, and gives some thoughts and studies on some legal problems in the disposal of non-performing assets. In order to prevent and resolve the non-performing assets of state-owned commercial banks in our country, it is necessary to combine the reality of our country and learn from the advanced experience of foreign non-performing assets disposal to strengthen and protect the disposal of non-performing assets from the legal level. Through the joint efforts of all parties, we should promote and perfect the reform of state-owned commercial banks in China, resolve financial risks and promote the healthy and orderly development of our banking industry. The main contents of this paper are as follows: introduction: the practical significance of the topic and the main content and research methods. Chapter one: this chapter introduces the connotation and determination of non-performing assets of state-owned commercial banks in China, and analyzes the present situation and causes of non-performing assets of state-owned commercial banks in China. Combined with China's national conditions, the practical significance of the disposal of non-performing assets is put forward. In the second chapter, the author makes a comparative analysis on the disposal of non-performing assets in foreign countries, introduces and analyzes the legal system arrangement and disposal effect of the disposal of non-performing assets in the United States, Korea and Poland, and summarizes the legal experience of disposal of non-performing assets in various countries. Chapter three: this chapter studies and ponders the legal problems in the disposal of non-performing assets of state-owned commercial banks in China, focusing on the disposal of non-performing assets by financial asset management companies, the conversion of debts into shares, and the disposal of non-performing assets by foreign capital. This paper studies the legal problems in four aspects of asset securitization, and puts forward some ideas and suggestions. The fourth chapter: put forward the legal countermeasures for the disposal of non-performing assets of state-owned commercial banks in China, respectively, from the formulation of separate "Financial assets Management Company Law", establish and perfect the legal system of debt-to-equity conversion, and improve the relevant legal provisions of asset securitization. The establishment of social credit system is expected to guarantee the disposal of non-performing assets. Conclusion: summarize the main points of this paper.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2011
【分類號】：D922.28;F832.2

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