商业银行不良贷款处置相关研究-中国政法大学MBA教育中心.DOC

论文编号： 商业银行不良贷款处置问题研究 中国政法大学研究生院 二○一五年三月商业银行不良贷款处置问题研究 摘要 金融行业与经济周期关系密切。在经济期，社会融资需求的不断增加推动着商业银行信贷规模的扩张商业银行能够保持较好的资产质量，不良资产处置难度和压力相对较小；但随着经济增速的放缓商业银行面临不良贷款余额和不良率的双升压力不良资产处置难度加大资产质量承压是商业银行面临的主要挑战。具有十分重要的意义。 关键字：商业银行；不良贷款；处置 RESEARCH ON DISPOSAL OF NON-PERFORMING LOANS OF COMMERCIAL BANKS ABSTRACT The financial industry and the economic cycle are closely related. In the economic line of credit demand, commercial banks are able to maintain good asset quality, non-performing assets is relatively small difficulty and pressure; But when the economy into the downward phase, with the economic slowdown, the social economy ebb tide effect accelerated the spread of commercial banks are facing double up pressure NPL and NPL ratio of non-performing assets disposal difficult. In recent years, the economic impact of the downward pressure on asset quality pressure is a major challenge faced by commercial banks. According to the data released by the CBRC 2014 commercial bank non-performing loans and NPL ratio, as of the end of December, Chinas commercial banks (legal caliber, the same below) non-performing loan balance of 842.6 billion yuan, increased 250.6 billion yuan over the beginning; non-performing loans of commercial banks rate of 1.25 percent, up 0.25 percentage points over the year. NPLs of commercial banks increased earnings deterioration, under the supervision of tighter background how to deal with bad loans, and resolve credit risk, has very important significance. In this paper, questions - analysis of the problem - to solve the problem for the idea, first of all, from the disposal of non-performing loans of commercial banks significance as a starting point, described in the current grim situation faced by commercial banks asset quality, non-performing commercial bank the importance and urgency of loan disposal. Secondly, the analysis of the characteristics and causes of non-performing loans of commercial banks at this stage, the analysis of domestic and foreign non-pe