發(fā)布時間：2018-05-03 22:31

  本文選題：國有商業(yè)銀行 + 不良貸款��； 參考：《河北經(jīng)貿(mào)大學(xué)》2017年碩士論文

【摘要】：近年來,中國經(jīng)濟的發(fā)展正面臨諸多挑戰(zhàn),商業(yè)銀行特別是國有商業(yè)銀行的不良貸款問題首當其沖。統(tǒng)計數(shù)據(jù)表示,近幾年國有商業(yè)銀行的不良貸款額和不良貸款率不斷上升,與此同時,企業(yè)的高杠桿率問題也逐步凸顯。在我國當前經(jīng)濟發(fā)展“三期疊加”的關(guān)鍵時期,不良貸款和企業(yè)杠桿率過高的問題引起了全社會的普遍關(guān)注。在如今的經(jīng)濟形勢下,如果經(jīng)濟發(fā)展的速度減緩,與此同時企業(yè)高杠桿率也發(fā)生,金融市場系統(tǒng)性風(fēng)險就會爆發(fā)。企業(yè)高負債、銀行巨額不良貸款正在威脅國家金融安全,也有損國民經(jīng)濟。去年兩會接受中外記者采訪時,國務(wù)院總理李克強表示,市場化債轉(zhuǎn)股可以逐步降低企業(yè)的杠桿率。在2017年兩會上,大家仍舊關(guān)注債轉(zhuǎn)股。國務(wù)院總理李克強在報告中肯定了去年實施債轉(zhuǎn)股的成績。工業(yè)企業(yè)負債率有所下降。今年繼續(xù)支持市場化法治化債轉(zhuǎn)股,積極穩(wěn)妥去杠桿,減少不良貸款。然而在債轉(zhuǎn)股實施過程中,仍然存在一些風(fēng)險。這些風(fēng)險的存在會阻礙其有效實施。因此需要正確的政策措施來輔助其有效推進。本專題研究在闡述我國國有商業(yè)銀行不良貸款結(jié)構(gòu)、規(guī)模、行業(yè)分布現(xiàn)狀以及各方面成因的基礎(chǔ)上,淺析本輪債轉(zhuǎn)股的具體措施、特點及優(yōu)勢等等,針對債轉(zhuǎn)股存在的各類風(fēng)險提出政策建議以輔助其順利推進。政策實施妥當將會對國民經(jīng)濟保持持續(xù)、穩(wěn)健的發(fā)展有著重大意義。長遠來看,債轉(zhuǎn)股運作得當可以為日后銀行業(yè)發(fā)展提供經(jīng)驗借鑒。道阻且艱,行則將至。本專題研究一共分為六個部分。第一部分為導(dǎo)論,主要闡述論文研究課題、研究對象,開門見山闡明研究的相關(guān)背景、現(xiàn)實意義、主要內(nèi)容和創(chuàng)新點等,并附帶分析本課題國內(nèi)外研究之發(fā)展現(xiàn)狀。第二部分為理論研究,包括對不良貸款的定義、分類、形成理論以及債轉(zhuǎn)股的一系列相關(guān)理論進行分析。第三部分重點研究我國實施債轉(zhuǎn)股的背景,包括不良貸款的具體情況、各方面成因等,并闡述將其處置對各方的意義,對處置的必要性進行深入研究。第四部分論述本輪債轉(zhuǎn)股推行情況,分析本輪債轉(zhuǎn)股實施的具體措施、特點與優(yōu)勢。第五部分對債轉(zhuǎn)股實施過程中暴露的風(fēng)險問題進行分析,針對這些問題,提出具有預(yù)見性、全局性、可操作性強的政策建議,以推進債轉(zhuǎn)股有序進行。第六部分為結(jié)論。
[Abstract]:In recent years, China's economic development is facing many challenges, commercial banks, especially state-owned commercial banks, the problem of non-performing loans bear the brunt. Statistics show that the amount of non-performing loans and the ratio of non-performing loans of state-owned commercial banks have been rising in recent years, while the problem of high leverage ratio of enterprises has become increasingly prominent. In the critical period of the "three phases superposition" of China's current economic development, the problem of non-performing loans and excessive leverage of enterprises has aroused the general concern of the whole society. In today's economy, if the economy slows down and companies become highly leveraged, systemic risks in financial markets erupt. Enterprises with high debts and banks with huge non-performing loans are threatening the country's financial security and harming the national economy. In an interview with Chinese and foreign reporters last year, Premier Li Keqiang said market-oriented debt-equity swaps could gradually reduce corporate leverage. In 2017, at the two sessions, people are still concerned about debt to equity conversion. Premier Li Keqiang of the State Council confirmed in the report the implementation of last year's debt-to-equity achievements. The debt ratio of industrial enterprises has decreased. This year we will continue to support market-based legal conversion of debt into equity, actively and steadily deleveraging, and reduce non-performing loans. However, there are still some risks in the process of debt-to-equity conversion. The existence of these risks will hinder their effective implementation. Therefore, correct policies and measures are needed to support its effective promotion. On the basis of expounding the structure, scale, industry distribution and causes of non-performing loans of state-owned commercial banks in China, this paper analyzes the specific measures, characteristics and advantages of this round of debt-to-equity swap. In order to support the smooth progress of debt-equity swap, the author puts forward some policy suggestions on various risks. The proper implementation of the policy will be of great significance to the sustained and steady development of the national economy. In the long run, the proper operation of debt-to-equity can provide experience for the future development of the banking industry. The road is difficult, but the road is coming. This research is divided into six parts. The first part is the introduction, mainly expounds the research topic, the research object, the related background, the realistic significance, the main content and the innovation point of the research, and analyzes the present situation of the research at home and abroad. The second part is the theoretical research, including the definition of non-performing loans, classification, formation theory and a series of related theories of debt to equity. The third part focuses on the background of the implementation of debt-to-equity swap in China, including the specific situation of non-performing loans, the causes of various aspects, and expounds the significance of its disposal to all parties, and the necessity of disposal in-depth study. The fourth part discusses the implementation of this round of debt to equity, analyzes the specific measures, characteristics and advantages. The fifth part analyzes the risks exposed in the process of debt-to-equity conversion, and puts forward some policy recommendations with foresight, overall and maneuverability in order to promote the orderly implementation of debt-to-equity swap. The sixth part is the conclusion.
【學(xué)位授予單位】：河北經(jīng)貿(mào)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33

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