我国商业银行不良资产成因及其对策研究-6.docx

毕业论文学院 金融学院 班级11金融3 学名 汪梦婕题目 我国商业银行不良资产成因及对策研究指导教师（姓名及职称）石春华讲师[总评成绩： ]我国商业银行不良资产成因及对策研究金融学院11金融3 班 汪梦婕导教师：石春华 讲师内容摘要：本文主要选取了我国国有商业银行中仍存在的不良资产的情况作为研究内容，阐述了它的性质、特点和危害，表明了我国必须尽快处置不良资产的必要性。根据国内外实践经验和研究成果，本文具体分析了不良资产依然存在并且依然严峻的原因，对比了传统和创新的处置模式的利弊，最终得出各利益相关者都必须充分重视这个问题的危害性。我国需要通过政府下决心果断处理，法律部门完善相关法律法规，人行银监会等在实践中推进监管，同业之间相互协作，银行自身建立健全内控机制等方面共同作用来直接正面地解决这个问题。同时，我国也要发展和完善货币市场和资本市场，通过吸收社会闲散资金提高社会资源利用效率的方式来间接化解积聚在银行的风险数量。只有通过各部门各行业的共同努力，才能从根本上控制不良资产的数量和比重，来保持我国金融经济稳定。关键词不良资产 不良贷款 国有商业银行The Reasons and Management of Non-performing Asset of the State-owned Commercial Banks in ChinaAbstract：This paper focuses on the non-performing asset (NPA) in the state-owned commercial banks in China. With an analysis of NPA’s nature, characteristics and damage, we suggest that it is necessary to make quick efforts to deal with this issue. Additionally, according to domestic and international practical experience and research findings, we point out reasons why a large amount of NPA still severely exists in China and make a comparison of the advantages and disadvantages between the traditional and creative treating mode. Based on our analysis, we conclude that related stakeholders should pay attention to NPA’s perniciousness, and take proactive action to solve this problem, including policy -making by governments to regulate the industry, improvement of relevant laws by legal departments, and promotion of supervision process by institutions such as People’s Bank of China and China Banking Regulatory Commission. It is also suggested to strengthen industry cooperation and build internal control mechanism within the banking systems to handle NPA immediately when it is discovered. At the same time, it is also required to regulate the money market and capital market to gather the slack money and increase efficiency to utilize the social resources. This method aims to dissolve risks accumulated in the banks indirectly. We believe the necessity of contribution m