本文選題：我國 + 國有��； 參考：《山東大學(xué)》2012年碩士論文

【摘要】：在全國金融會(huì)議召開之后,國務(wù)院明確提出,到2005年,我國國有商業(yè)銀行不良資產(chǎn)占總資產(chǎn)的比例下降到15%以下的戰(zhàn)略目標(biāo)。國有商業(yè)銀行不良貸款占有率長期以來居高不下,其中既有制度的原因,也有自身經(jīng)營管理理念落后的因素。隨著經(jīng)濟(jì)金融化的程度越來越高,國民經(jīng)濟(jì)對(duì)金融機(jī)構(gòu)的經(jīng)營效率提出了更高的要求,這就要求金融機(jī)構(gòu)更好的發(fā)揮其服務(wù)于經(jīng)濟(jì)社會(huì)建設(shè)的功能。 為此,我國自上世紀(jì)末開始也對(duì)國有商業(yè)銀行的不良貸款比例過高的問題給予了一定的重視,在1999年成立了四大貸款管理公司專門處理國有銀行的不良貸款問題。其采取的主要方式是債轉(zhuǎn)股和打包銷售等傳統(tǒng)方法,但其效果并不顯著。 本文旨在研究不良貸款處置的模式,希望在分析傳統(tǒng)模式的基礎(chǔ)上予以創(chuàng)新,夯實(shí)不良貸款處理的理論基礎(chǔ),并希望對(duì)我國國有商業(yè)銀行和股份制商業(yè)銀行的不良貸款處理方法提出一些建議,使其發(fā)揮好金融基礎(chǔ)設(shè)施的服務(wù)功能。所以,對(duì)該問題的研究既具有理論意義,又不乏實(shí)踐指導(dǎo)作用。一方面,從理論意義上而言：有助于完善不良貸款形成的理論機(jī)制,從理論上找到不良貸款形成的根源,能為我們正確處置不良貸款具有指導(dǎo)意義；有助于補(bǔ)充我國不良貸款處理模式的理論基礎(chǔ),從理論上找到處置不良貸款的方法論基礎(chǔ)；另一方面,從實(shí)踐方面而言：提升國有商業(yè)銀行的經(jīng)營效率,從而提升其市場競爭力,使其在激烈的市場競爭中立于不敗之地；更好地發(fā)揮其服務(wù)于經(jīng)濟(jì)建設(shè)的中心任務(wù),銀行在金融體系中居于主體地位,銀行體系的良好運(yùn)行,是經(jīng)濟(jì)健康發(fā)展的重要保證。 本文闡述的不良貸款處置模式主要有：銀行自主處置模式、AMC模式、證券化模式、債轉(zhuǎn)股模式、打包銷售模式和交易中心模式。除了闡述其具體的操作內(nèi)容之外,還進(jìn)一步分析各模式對(duì)我國的適應(yīng)性。“他山之石,可以攻玉”,取他人之長,為我所用。
[Abstract]:After the National Financial Conference was held, the State Council clearly proposed that by 2005, the proportion of non-performing assets of state-owned commercial banks to the total assets fell to less than 15% of the strategic target. The share of bad loans of state-owned commercial banks has been high for a long time. With the increasing degree of economic financialization, the national economy has put forward higher requirements for the operational efficiency of financial institutions, which requires financial institutions to better play their function of serving the economic and social construction. Therefore, since the end of the last century, China has also paid attention to the problem of excessive proportion of non-performing loans in state-owned commercial banks. In 1999, four major loan management companies were set up to deal with the problem of non-performing loans of state-owned banks. The main methods are debt to equity and package selling, but the effect is not remarkable. The purpose of this paper is to study the model of the disposal of non-performing loans, hoping to innovate on the basis of analyzing the traditional models, and consolidate the theoretical basis of dealing with non-performing loans. The author also hopes to put forward some suggestions on how to deal with non-performing loans of state-owned commercial banks and joint-stock commercial banks so as to give full play to the service function of financial infrastructure. Therefore, the study of this issue has both theoretical significance and practical guidance. On the one hand, from the theoretical point of view: help to improve the theoretical mechanism of the formation of non-performing loans, theoretically to find out the root of the formation of non-performing loans, for us to correctly deal with non-performing loans have a guiding significance; It is helpful to supplement the theoretical basis of the processing mode of non-performing loans in China and to find the methodological basis for dealing with non-performing loans in theory; on the other hand, from the practical point of view: to enhance the operational efficiency of state-owned commercial banks, In order to enhance its market competitiveness, make it in an invincible position in the fierce market competition, better play its central task of serving the economic construction, the bank occupies the main position in the financial system, and the banking system runs well. It is the important guarantee that economy develops healthily. The disposal modes of non-performing loans described in this paper are as follows: bank independent disposal model, securitization model, debt to equity model, package sales model and transaction center model. Besides expounding its concrete operation content, it also analyzes the adaptability of each mode to our country. "other mountain stone, can attack jade", take the advantage of others, for my use.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33

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本文編號(hào)：2094991