【摘要】：2008年金融危機(jī)之后,全球經(jīng)濟(jì)持續(xù)低迷,我國實(shí)體經(jīng)濟(jì)亦遭到重創(chuàng),傳統(tǒng)制造業(yè)面臨艱難轉(zhuǎn)型。作為經(jīng)濟(jì)晴雨表的金融行業(yè)遭遇史上最大資產(chǎn)荒,同時(shí)存量貸款風(fēng)險(xiǎn)頻發(fā)、不良資產(chǎn)指標(biāo)加速惡化,資產(chǎn)質(zhì)量受到重大挑戰(zhàn)。在此背景下,商業(yè)銀行不良資產(chǎn)的處置化解能力日益成為影響銀行核心競爭力的重要因素。故對(duì)我國商業(yè)問題及不良資產(chǎn)的處置化解策略研究是必要的且有深刻的現(xiàn)實(shí)意義。本文以銀行傳統(tǒng)不良貸款即狹義的不良貸款的研究為出發(fā)點(diǎn),采用實(shí)地調(diào)研法、案例分析法、比較分析法等方法,對(duì)民生銀行CD分行的不良資產(chǎn)現(xiàn)狀及其產(chǎn)生原因與處置措施進(jìn)行了研究。借鑒美國、日本、波蘭等國家各個(gè)主要時(shí)期的不良資產(chǎn)的處置策略,總結(jié)經(jīng)驗(yàn)教訓(xùn),從內(nèi)因、外因、宏觀、微觀等多個(gè)角度來分析民生銀行CD分行不良貸款的成因。得出結(jié)論:銀行不良資產(chǎn)一方面由于自身風(fēng)險(xiǎn)管理制度不完善、國家行政干預(yù)等客觀因素造成的;另一方面相關(guān)信貸、風(fēng)險(xiǎn)管理人員職業(yè)操守缺乏、無視國家、行業(yè)及銀行內(nèi)部的法律法規(guī)制度,甚至惡意串通謀取個(gè)人私利亦造成了大量不良資產(chǎn)的產(chǎn)生。一方面與整體經(jīng)濟(jì)不景氣、良好的社會(huì)信用制度未建立、企業(yè)及個(gè)人信用意識(shí)不強(qiáng)、監(jiān)管乏力、司法保障制度不健全等宏觀環(huán)境相關(guān),另一方面與具體銀行內(nèi)部的風(fēng)險(xiǎn)偏好、政策傾向、客戶群體的行業(yè)集中度、獎(jiǎng)懲制度等息息相關(guān)。本文的創(chuàng)新之處在于第一次提出了廣義不良資產(chǎn)和狹義不良資產(chǎn)的概念,將關(guān)注類貸款定義為問題貸款,納入廣義不良資產(chǎn)的范疇。通過具體案例分析闡明問題資產(chǎn)研究的重要性、必要性及緊迫性。提出如何有效管理問題資產(chǎn)是預(yù)防和減少實(shí)質(zhì)不良資產(chǎn)產(chǎn)生的重要關(guān)卡,降低問題資產(chǎn)的下遷率是提高不良資產(chǎn)管理效率的重要環(huán)節(jié)。本文通過具體案例分析總結(jié)了問題資產(chǎn)管理的有效方法,提出了操作性強(qiáng)的具體對(duì)策,從而為同行在不良資產(chǎn)處置的漫漫長路上提供新的思路和途徑。
[Abstract]:After the financial crisis in 2008, the global economy continued to be depressed, the real economy of our country was also hit hard, and the traditional manufacturing industry was facing a difficult transition. As an economic barometer, the financial industry has encountered the biggest asset shortage in the history. At the same time, the risk of stock loan is frequent, the index of non-performing assets is deteriorating rapidly, and the quality of assets has been greatly challenged. In this context, the ability to dispose of non-performing assets of commercial banks has increasingly become an important factor affecting the core competitiveness of banks. Therefore, it is necessary and meaningful to study the disposal strategies of commercial problems and non-performing assets in China. In this paper, the bank's traditional non-performing loans, that is, the narrow non-performing loans as the starting point, the use of field research, case analysis, comparative analysis and other methods, This paper studies the current situation of bad assets in CD Branch of Minsheng Bank and its causes and disposal measures. Drawing lessons from the disposal strategies of non-performing assets in the major periods of the United States, Japan, Poland and other countries, this paper sums up the experience and lessons, and analyzes the causes of non-performing loans in CD branch of Minsheng Bank from the angles of internal, external, macro and micro. The conclusion is: on the one hand, the non-performing assets of banks are caused by the imperfection of their own risk management system and the intervention of state administration; on the other hand, the related credit, the lack of professional integrity of risk management personnel, and the disregard of the country, Laws and regulations in the industry and banks, even malicious collusion for personal gain, have resulted in a large number of non-performing assets. On the one hand, it is related to the macro environment, such as the overall economic depression, the absence of a good social credit system, the weak credit consciousness of enterprises and individuals, the weak supervision and judicial security system, etc. On the other hand, it is related to the internal risk preference of specific banks. The policy tendency, the industry concentration degree of the customer group, the reward and punishment system and so on are closely related. The innovation of this paper is that the concept of generalized non-performing assets and narrow non-performing assets is put forward for the first time, and the concerned loans are defined as problem loans and brought into the category of generalized non-performing assets. The importance, necessity and urgency of the research on the problem assets are illustrated through the concrete case analysis. It is pointed out that how to effectively manage the problem assets is an important barrier to prevent and reduce the production of the real non-performing assets, and to reduce the down-moving rate of the problem assets is an important link to improve the efficiency of the management of the non-performing assets. This paper summarizes the effective method of the problem asset management through the concrete case analysis, and puts forward the concrete countermeasure with strong maneuverability, thus provides the new thought and the way for the colleague in the long road of the disposal of the bad assets.
【學(xué)位授予單位】：廣西師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4

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