我国商业银行不良资产处置对策研究金融学

论文题目：我国商业银行不良资产处置对策研究摘要从世界金融业发展经验上看，商业银行的大量不良资产限制了金融行业的发展脚步。我国商业银行在不良资产处置方面有一定经验，但还有很多方面值得被挖掘。本文基于我国商业银行的现状，分析我国商业银行不良资产的成因以及存在的问题，并比较分析了美国、日本、韩国对于银行不良资产的处置方式。结合我国商业银行现阶段在处置不良资产过程中所暴露出的问题认为，应从完善相关法律法规、充分发挥地方政府作用、健全不良资产评估体系、加强银行信贷资产管理以及“互联网＋不良资产”的处置模式等方面提高处置的效率。关键词商业银行；不良资产；资产管理公司 IAbstractLook from the world financial industry development experience, the large amount of bad assets of commercial bank has been a problem in the financial industry development. Although China's commercial Banks have certain experience in non-performing assets disposal, there are still many problems. Starting from the current situation of China's commercial Banks, this paper analyzes the causes and problems of non-performing assets of China's commercial Banks, and comparative analysis of the United States, Japan, South Korea for the disposal of non-performing assets of commercial Banks. Combining with the problems exposed in the process of disposing non-performing assets in China's commercial banking industry, it is suggested that the disposal efficiency should be improved from the aspects of perfecting relevant laws and regulations, giving full play to the role of local governments, perfecting the evaluation system of non-performing assets, strengthening the management of bank credit assets and the disposal mode of "Internet + non-performing assets".KeywordsCommercial Banks; Non-performing assets; Asset managementII目录摘要..........................................................................................................................................