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中央广播电视大学金融学（本科）专业毕业设计（论文）论文题目我国商业银行资产重组问题研究学生姓名：学号：专业：金融学年级：学校：年月日目录摘要............................................................................................................................................IAbstract......................................................................................................................................II提纲...........................................................................................................................................1第一章我国商业银行不良资产产生背景和现状.................................................................21.1商业银行不良资产的概念.........................................................................................21.2我国商业银行不良资产历史背景............................................................................21.3我国商业银行不良资产现状.....................................................................................3第二章我国商业银行不良资产成因分析.............................................................................42.1从体制方面看.............................................................................................................42.2从政府方面看.............................................................................................................42.3从企业方面看............................................................................................................52.4从银行方面看............................................................................................................52.5从法律法规方面看....................................................................................................62.6从社会信用观念看....................................................................................................6第三章我国商业银行不良资产的特点.................................................................................73.1不良资产数额巨大,不良贷款比重相对较高...........................................................73.2我国银行不良资产产生的原因复杂.........................................................................73.3利益关系特殊.............................................................................................................73.4不良资产类型特殊性.................................................................................................8第四章商业银行不良资产重组的难点.................................................................................84.1场不完善制约了银行不良资产重组的规模和空间.................................................84.2专业人才匾乏，手段落后，影响了不良资产重组的成效.....................................84.3法律法规不健全妨碍了银行不良资产重组的顺利进行.........................................94.4政策措施不配套使银行不良资产重组工作困难重重.............................................94.5政府的不适当干预，使银行不良资产重组的行为容易偏离市场最大化原则...10第五章我国商业银行不良资产重组的策略.......................................................................115.1核实真相，揭示风险。..........................................................................................115.2政府参与，减轻负担。..........................................................................................115.3整合资源，集中处置。..........................................................................................115.4分清责任，限期清收。...........................................................................................125.5债权置换，激活资产。...........................................................................................125.6金融系统内部要尽快建立和健全多层次、全方位的风险管理体系。...............125.7政策扶持，增加收益。...........................................................................................135.8学习借鉴外国处置不良资产的成功经验...............................................................135.9不良资产证券化。...................................................................................................146.0要整顿和建立社会信用...........................................................................................14结论.........................................................................................................................................16参考文献.................................................................................................................................17I摘要贷款是商业银行的基本业务之一,所有商业银行都要不断地大量发生贷款业务,这就难免发生一定数量的不能按期收回或收不回的贷款。我国商业银行的问题是不良资产过多,如不尽快加以解决,将带来一系列严重后果。我国商业银行体系内存在着巨额不良资产,这些巨额不良资产降低了资产的盈利性、安全性和流动性,与我国《商业银行法》所规定的经营原则相背离,危及整个银行体系的稳定性,蕴藏着巨大的金融风险。解决我国商业银行的不良资产问题，必须把国际经验教训和商业银行的不良资产现状结合起来，综合运用不良资产重组的各种手段，有针对性地设计国有商业银行不良贷款重组的战略和措施，循序渐进，来逐步化解已经累积的不良资产风险。关键词不良资产;特点；难点；重组策略；IIAbstractLoansofcommercialBanksisoneofthebasicbusiness,allcommercialBanksaretokeepalargenumberofhappenloanbusiness,thisinevitablyoccurredacertainnumberofcan'tbackonscheduleorinreturnoftheloan.Ourcountrycommercialbankproblemisbadassetstoomuch,ifnotresolvedassoonaspossible,willleadtoaseriesofseriousconsequences.Ourcountrycommercialbanksystemexistinhugenon-performingassets,thesehugenon-performingassetstoreducetheprofitabilityofassets,safetyandliquidity,andourcountrythecommercialbanklawofthespecifiedoperatingprinciplesphasedeviationandendangerthestabilityofthebankingsystemasawhole,containingenormousfinancialrisks.Solvethenon-performingassetsofcommercialBanksinChina,musttaketheinternationalexperienceandlessonsandcommercialbankbadasset