The Research On Disposition Of Commercial Bank Non-performing Asset

While finance is the core sector of modern economy, the healthy development of banking industry has is the restrictive factor of sustainable economy development. In this case, whether state-owned commercial bank can dispose non-performing asset becomes the key sector for the development of financial industry. Nowadays, even after two strips in 1999 and 2004, the scale of China non-performing asset is still tremendous while the disposition means are bald. The existence of non-performing asset not only reduces the risk resistance ability, but also opposes negative impact over the stable operation of financial system, which in consequence affects the regular development of national economy.Firstly, this thesis analyzes the cause of formation and current status of China state-owned commercial bank non-performing asset, then further discusses the obstacle factors of disposition of these asset. Using the experience of foreign banking industry and considering the special situation of China, this thesis brings forward basic modes and concrete methods for the solvency of China non-performing asset. Also, the most difficult part during disposition, pricing of non-performing asset is particularly analyzed. Finally, based on the former research and discussion, policy suggestion is put forward to accelerate the disposition of China commercial bank non-performing asset.In all, this thesis makes an overall analysis and research on China non-performing assets and thus provides suggestion for acceleration of disposition and prevention of the emergence of increment part. This thesis also exploits thinking for further research and provides supervising agency, AMC and commercial bank with decision reference for disposition of non-performing asset.