化解银行不良资产存在的问题与出路――资产管理公司的角度

对外经济贸易大学硕士学位论文化解银行不良资产存在的问题与出路——资产管理公司的角度姓名：洪叶申请学位级别：硕士专业：企业管理指导教师：吴革2005040112AsexpectedthatChinesefinancialservingbusinesswillbereleasedcompletelyin2006,theheavybadpropertyburdenwillbecomethehugeobstacletoimprovethecorecompetitionabilityofbankinourcountry.Thereforehowtomakeoutthetreatmenttodealwithbadpropertyisanurgentmissionforcurrentmarketeconomysystem.Havinglearnedlessonsfromforeignbank’sexperienceinhandlingbadpropertyin1999April,four-state-ownedcommercialbanksestablishedtheirfinancialpropertymanagementcompanyoneandanothertodealwiththeirbadproperty.Fromthenon,inthemeticulousanalysispropertymanagementcompanyfindthatthebadpropertywascausedbydifferentreasons.Theyputforwarddifferenttreatmentsandaccumulatedmanyexcellentcasesoftreatment.Sincetherearecomplexinternalandexternalenvironmentalreasonsthedevelopmentofthisprocesswaslimited.Thisessayanalyzedtheproblemsofourcountry’scurrentbadpropertyfrompracticeangleanddiscussedthepropermodetodealwithit.Thepaperanalyzedthedisadvantagesofthecurrentmodeoftheorganizationinourcountry’spropertymanagementcompanyanyputforwardanewwayofgettingthefourpropertymanagingcompaniesunited.Thecorepointofthepaperistocancelthebadaccountsafterverification,workoutspeciallegislationpolicy,cancelthetimelimitationandestablishvalidinformationsystem.Atthesametimethepapergaveaprimaryresearchontheselectofhandlingmodewhichemphasisistherecombinationofdebittodevelopmanagementandsupervisionofstockrights.3----23----243RTCRTCRTC5004FDICRTCRTC51993----SBSANordbankenGotaSBSA/5648//1998129047-48451.177-11819997912341056101119701400569278727872004531934121500091001310101--1.211.220022.119.06152.6360.69128.6963.7114246191617142004578.56116.1030043.41103161/320.292.21.2.3.4.200511920041119991514000580400020004120034355.7669033032300690161020%16199219983100199920003.319991.361.4320015.6170069%52%200024691.12372776()175266549.85%,21.75%18121320001211304225.7301920016261372727.2470001207220312.2403.8814135%1744.171382.181000382.18361.9930%199570030019991999921200081860135%22,2002122543.2576.91%3.586.36%9.4116.73%17%20072383%24252627282930100001831192021323334RTCRTCRTCRTC3536373839401082005414243444546471—199922001319984200052000620037AMC200182004200492001510200181120031212200261313AMC20019142002715200181620018172001111418200310192003520200311212004248!