本文關(guān)鍵詞： WZ農(nóng)行 不良資產(chǎn) 處置模式　出處：《中南大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：2008年美國(guó)次貸危機(jī)引發(fā)的世界金融危機(jī)爆發(fā)之后,銀行不良資產(chǎn)問題受到全世界的普遍關(guān)注,并已經(jīng)日益成為銀行平穩(wěn)發(fā)展的嚴(yán)重威脅。巨額金融不良資產(chǎn)的問題曾經(jīng)嚴(yán)重影響了世界各國(guó)的經(jīng)濟(jì)發(fā)展,并嚴(yán)重?cái)_亂正常經(jīng)濟(jì)秩序。經(jīng)濟(jì)滑坡也會(huì)影響銀行不良資產(chǎn)的產(chǎn)生,兩者是循環(huán)影響、愈演愈烈的關(guān)系。 WZ農(nóng)行作為商業(yè)銀行,曾經(jīng)也受到過巨額不良資產(chǎn)的影響,經(jīng)過多年的努力,WZ農(nóng)行的不良資產(chǎn)率目前處于較低的水平。但是WZ農(nóng)行整體規(guī)模較小,經(jīng)營(yíng)管理理念有待進(jìn)一步提高,加之世界金融環(huán)境日益復(fù)雜,WZ農(nóng)行面臨的經(jīng)營(yíng)風(fēng)險(xiǎn)空前加大。由于WZ農(nóng)行自身的特殊歷史背景,其不良資產(chǎn)的處置很大部分是特定歷史時(shí)期下的特殊方法,對(duì)目前和將來WZ農(nóng)行不良資產(chǎn)處置的借鑒意義不大。因此,在嚴(yán)峻的世界經(jīng)濟(jì)整體形勢(shì)下,WZ農(nóng)行要實(shí)現(xiàn)自身的長(zhǎng)遠(yuǎn)發(fā)展目標(biāo),就要對(duì)經(jīng)營(yíng)過程中的可能產(chǎn)生的不良資產(chǎn)有一定的理論研究,提出適宜的處置和防范措施,做好發(fā)展的準(zhǔn)備和基礎(chǔ)性工作。在此背景下,本文通過對(duì)WZ農(nóng)行不良資產(chǎn)特征、處置現(xiàn)狀,以及成因的深入研究,為WZ農(nóng)行構(gòu)建起一個(gè)卓有成效的不良資產(chǎn)處置模式,并希望通過本文的研究為我國(guó)商業(yè)銀行構(gòu)架起不良資產(chǎn)處置模式起到一定的借鑒作用。 本文在國(guó)內(nèi)外關(guān)于銀行不良資產(chǎn)處置方面的文獻(xiàn)綜述的基礎(chǔ)上,首先對(duì)我國(guó)商業(yè)銀行不良資產(chǎn)處置進(jìn)行概述,探討國(guó)內(nèi)外不良資產(chǎn)處置的主要模式及借鑒意義；其次對(duì)WZ農(nóng)行不良資產(chǎn)現(xiàn)狀及存在的問題進(jìn)行分析,介紹WZ農(nóng)行不良資產(chǎn)工作的現(xiàn)狀、不良資產(chǎn)情況,并對(duì)不良資產(chǎn)的管理現(xiàn)狀進(jìn)行分析,指出其存在的內(nèi)外部原因,在此基礎(chǔ)上探討WZ農(nóng)行不良資產(chǎn)集中處置模式的構(gòu)建,對(duì)比了三種主要資產(chǎn)集中處置模式的優(yōu)缺點(diǎn),進(jìn)而提出了基于矩陣式內(nèi)部集中處置的不良資產(chǎn)管理模式,并提出了WZ農(nóng)行不良資產(chǎn)集中處置模式的實(shí)施保障,從不良資產(chǎn)處置目標(biāo)、多維分類、盡職調(diào)查、資產(chǎn)評(píng)估方法選擇、處置具體途徑等方面提出了WZ農(nóng)行資產(chǎn)集中處置的保障措施。最后對(duì)全文進(jìn)行總結(jié),提出存在的不足和下一步研究的方向。
[Abstract]:In 2008, after the outbreak of the world financial crisis caused by the sub-prime mortgage crisis in the United States, the problem of non-performing assets of the banks was paid more and more attention all over the world. And has increasingly become a serious threat to the smooth development of banks. The problem of huge amount of non-performing financial assets has seriously affected the economic development of all countries in the world. And seriously disturb normal economic order. Economic decline will also affect the production of non-performing assets of banks. WZ Agricultural Bank, as a commercial bank, has also been affected by a large amount of non-performing assets. After years of efforts, WZ Agricultural Bank of China's non-performing assets rate is at a low level. But WZ Agricultural Bank has a small overall scale. The concept of management needs to be further improved, in addition to the increasingly complex world financial environment WZ Agricultural Bank of China is facing an unprecedented increase in operating risks. Due to the special historical background of WZ Agricultural Bank of China. The disposal of non-performing assets is a special method in a specific historical period, which is of little significance to the current and future WZ Agricultural Bank of China. Therefore, in the severe world economic situation as a whole. If WZ Agricultural Bank wants to realize its long-term development goal, it must have a certain theoretical study on the possible non-performing assets in the course of operation, and put forward appropriate disposal and preventive measures. In this context, through the WZ Agricultural Bank of China, the characteristics of non-performing assets, disposal status, as well as the causes of in-depth research. To construct an effective model for WZ Agricultural Bank of China to deal with non-performing assets, and through the study of this paper, we hope to play a certain reference role in the construction of non-performing assets disposal model of commercial banks in our country. Based on the literature review on the disposal of non-performing assets of banks at home and abroad, this paper first summarizes the disposal of non-performing assets of commercial banks in China. This paper discusses the main modes and significance of the disposal of non-performing assets at home and abroad. Secondly, it analyzes the current situation and existing problems of bad assets of Agricultural Bank of China (ABC), introduces the status quo of non-performing assets work, the situation of non-performing assets, and analyzes the current situation of management of non-performing assets. This paper points out the internal and external reasons of its existence, and on this basis discusses the construction of WZ Agricultural Bank's centralized disposal mode of non-performing assets, and compares the advantages and disadvantages of the three main modes of centralized asset disposal. Then it puts forward the management mode of non-performing assets based on matrix internal centralized disposal, and puts forward the implementation guarantee of WZ Agricultural Bank's non-performing assets centralized disposal mode, from the non-performing assets disposal target, multi-dimensional classification, due diligence. This paper puts forward the safeguard measures of WZ Agricultural Bank's assets centralized disposal from the aspects of the choice of assets evaluation method and the specific ways of disposal. Finally, the paper summarizes the full text, and points out the shortcomings and the direction of further research.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33;F830.42

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