本文選題：不良資產　切入點：管理體系　出處：《吉林大學》2012年碩士論文

【摘要】：不良資產是銀行業(yè)的主要風險，，從公司治理角度看，它會影響到投資者的投資回報；從銀行自身經營來看，它會降低銀行可持續(xù)發(fā)展能力，進而引發(fā)系統(tǒng)性風險；放大至國家的金融系統(tǒng)來看，它直接關系到整個經濟體系的平穩(wěn)發(fā)展和安全。本文立足于不良資產處置實務，首先介紹了沈陽分行不良資產管理現(xiàn)狀,發(fā)現(xiàn)并提出工作中存在的若干問題。為解決問題，分析了出現(xiàn)問題的原因，進而提出了改進不良資產處置的相關方案，最后為保障相關方案得以實施提出了對應的配套措施。 不良資產處置一直以來是銀行界的重要探索課題,作者選題的目的在于,將不良資產處置這個大而寬泛的命題微觀化,濃縮至一家股份制商業(yè)銀行的分支機構---浦發(fā)銀行沈陽分行，通過對其內部、外部環(huán)境的分析，從創(chuàng)新不良資產處置方式、提高不良資產處置效率、貫徹獎罰激勵制度等角度提出了改進措施，以期可以優(yōu)化不良資產管理體系和處置途徑，實現(xiàn)不良資產處置效果最大化的目標。 第1章為緒論，主要闡述本文的研究背景和意義，并介紹本文的研究思路和主要內容。 第2章為沈陽分行不良資產管理現(xiàn)狀與問題。歸納總結了不良資產管理中存在四類的問題，這四類問題是表現(xiàn)在不良資產處置工作中的典型問題，主要反映在沈陽分行內部管理中。 第3章，作者將視角投向查找不利于沈陽分行不良資產處置的因素上。通過對社會環(huán)境因素、信用環(huán)境因素、經營管理因素、處置成本因素等四個因素進行分析，同時結合大量沈陽分行近年發(fā)生的不良資產處置案例，揭示出內外部不利因素對不良資產處置工作的負面影響。 第4章,作者在第三章查找原因的基礎上,從強調盡職管理等方面提出了不良資產處置的改進措施。這些措施順應了當前銀行業(yè)發(fā)展的主流趨勢，依托商業(yè)銀行近年來與不良資產處置相關的信貸發(fā)展規(guī)劃、風險管理構架，得出了具有可操作性的改進不良資產處置體系的方案。 第5章,作者立足于本職工作和所在地區(qū),將目光放大到整個社會保障領域，提出了不良資產處置改進方案的配套保障措施。可以說，單獨依靠作為銀行分支機構的沈陽分行，其自身調節(jié)能力還無法做到全方位的調整其固有的不良資產處置模式，必須依靠社會力量的相關調整，方可實現(xiàn)本文所提出的改進方案。 全文在研究方法上,充分運用MBA專業(yè)的各種管理知識、方法及相關理論，提出了對化解不良資產處置難題、創(chuàng)新資產處置途徑的合理構想，以及對消除不利影響、完善資產處置環(huán)境的切身體會，以期提高浦發(fā)銀行沈陽分行的盈利性、安全性和流動性，并從中尋求解決我國銀行不良資產難題的有效路徑，為其它研究者進一步研究不良資產處置模式提供理論支持和實踐啟示。
[Abstract]:Non-performing assets is the main risk of banking, from the perspective of corporate governance, it will affect the return on investment of investors, from the perspective of the bank itself, it will reduce the ability of sustainable development of banks, and then lead to systemic risk.Magnified to the national financial system, it is directly related to the smooth development and security of the entire economic system.Based on the practice of dealing with non-performing assets, this paper first introduces the current situation of non-performing assets management in Shenyang Branch, and points out some problems existing in the work.In order to solve the problem, this paper analyzes the causes of the problem, and then puts forward the related plan to improve the disposal of non-performing assets, and finally puts forward the corresponding supporting measures to ensure the implementation of the relevant scheme.The disposal of non-performing assets has always been an important research topic in the banking sector. The purpose of the author's topic is to micro the large and broad proposition of the disposal of non-performing assets.Concentrated to a branch of a joint-stock commercial bank---Pudong Development Bank Shenyang Branch, through the analysis of its internal and external environment, from the innovation of non-performing assets disposal methods to improve the efficiency of non-performing assets disposal,In order to optimize the management system and disposal way of non-performing assets and realize the goal of maximizing the effect of disposal of non-performing assets, this paper puts forward some improvement measures from the angle of incentive system of reward and punishment.The first chapter is the introduction, mainly expounds the research background and significance of this paper, and introduces the research ideas and main contents of this paper.Chapter 2 is the current situation and problems of non-performing assets management in Shenyang Branch.This paper summarizes four kinds of problems in the management of non-performing assets, which are typical problems in the disposal of non-performing assets, mainly reflected in the internal management of Shenyang Branch.In Chapter 3, the author puts the angle of view to find out the factors that are unfavorable to the disposal of non-performing assets in Shenyang Branch.Through the analysis of social environmental factors, credit environment factors, management factors and disposal cost factors, combined with a large number of cases of disposal of non-performing assets in Shenyang Branch in recent years,It reveals the negative effects of internal and external adverse factors on the disposal of non-performing assets.In chapter 4, the author puts forward some measures to improve the disposal of non-performing assets from the aspects of due diligence management based on the reason of finding out the reasons in the third chapter.These measures conform to the mainstream trend of the development of the banking industry. Relying on the credit development planning and risk management framework of commercial banks related to the disposal of non-performing assets in recent years, an operable scheme to improve the disposal system of non-performing assets is obtained.In chapter 5, based on the work and the area, the author sets his eyes on the whole social security field, and puts forward the corresponding safeguard measures for the improvement scheme of the disposal of non-performing assets.It can be said that relying solely on Shenyang Branch, as a branch of a bank, can not adjust its inherent mode of disposal of non-performing assets in an all-round way, but must rely on the relevant adjustment of social forces.In order to achieve the improvement proposed in this paper.In the aspect of research methods, this paper makes full use of all kinds of management knowledge, methods and relevant theories of MBA specialty, and puts forward a reasonable conception to resolve the difficult problem of dealing with non-performing assets, to innovate the ways of asset disposal, and to eliminate the adverse effects.In order to improve the profitability, safety and liquidity of Shanghai Development Bank's Shenyang Branch, we can find an effective way to solve the problem of China's banks' non-performing assets.To provide theoretical support and practical enlightenment for other researchers to further study the model of non-performing assets disposal.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2

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本文編號：1697448