浅析商业银行不良资产重组问题分析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；AbstractLoansofcommercialBanksisoneofthebasicbusiness,allcommercialBanksaretokeepalargenumberofhappenloanbusiness,thisinevitablyoccurredacertainnumberofcan'tbackonscheduleorinreturnoftheloan.Ourcountrycommercialbankproblemisbadassetstoomuch,ifnotresolvedassoonaspossible,willleadtoaseriesofseriousconsequences.Ourcountrycommercialbanksystemexistinhugenon-performingassets,thesehugenon-performingassetstoreducetheprofitabilityofassets,safetyandliquidity,andourcountrythecommercialbanklawofthespecifiedoperatingprinciplesphasedeviationandendangerthestabilityofthebankingsystemasawhole,containingenormousfinancialrisks.Solvethenon-performingassetsofcommercialBanksinChina,musttaketheinternationalexperienceandlessonsandcommercialbankbadassetscombinecurrentsituation,theintegrateduseofbadassetsreorganizationofallkindsofmeans,inatargetedmannertodesignthestate-ownedcommercialBanksnon-performingloanrestructuringstrategiesandmeasures,stepbystep,tograduallyresolvehasaccumulatedbadassetsrisk.keywordsNon-performingAssets;characteristics;difficulty;RestructuringandStrategy目录摘要............................................................................................................................................IAbstract......................................................................................................................................II前言............................................................................................................................................1第一章我国商业银行不良资产产生背景和现状..................................................................11.1商业银行不良资产的概念..........................................................................................11.2我国商业银行不良资产历史背景.............................................................................11.3我国商业银行不良资产现状......................................................................................2第二章我国商业银行不良资产成因分析..............................................................................22.1从体制方面看..............................................................................................................22.2从政府方面看..............................................................................................................22.3从企业方面看.............................................................................................................32.4从银行方面看.............................................................................................................42.5从法律法规方面看................................................................................................
