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Research On The Effectiveness Of Handling Way Of Non-performing Assets In Stated-run Bank

Posted on:2006-10-04Degree:MasterType:Thesis
Country:ChinaCandidate:X JiangFull Text:PDF
GTID:2156360152970680Subject:International Trade
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In 1999 China established four AMC to accept and deal with 14,00 billions non-performing assets that stripped from four state-owned commercial banks. During the past 5 years, with using various kinds of measure synthetically, the question of non-performing assets of state-run bank has already been alleviated in a certain degree, but now the number of non-performing assets is still very high. Based on annual report of four state-run banks, firstly this paper analyses the overall scale of non-performing assets of state-run commercial bank and describes the impacts on China's economy; Secondly, on the basis of summing up successful experiences of dealing with non-performing assets in other countries, we further investigate the current situation and validity of various measures in China; At last, according to the deficiency of the ways in our country, we carry out some methods to improve the effectiveness of them, which have certain realistic meanings.Chapter I mainly expound the research meaning of this paper. In section one of this chapter, we introduced the data source and principle of non-performing assets of four state-owned commercial banks, which established the foundation for the analysis of the full text. In section two, based on financial report of four major state-run banks in 2003, we analyzed the overall situation of the non-performing assets of state-owned commercial bank of the end of the year. In terms of country, state-run bank and enterprise, section three described the research meaning of this text.Chapter II is mainly about the successful case research that some relevant countries dissolved the problem of the non-performing assets. Section one introduced the existing handled the mode of non-performing assets briefly, at first disperse mode can be divided into five kinds: inside digests, cancels, acquisition and merger, liquidation, DES, while concentrate modes includes good bank / broken bank mode and Asset Securitization. In section two, we analyze successful case of some country about non-performing assets. In section three of this chapter, on the basis of analysis of preceding paragraphs, we summed up the experiences that various countries succeed in solving the problem of the non-performing assets.Chapter III of this text analyses the validity of handling of the non-performing assets of our country in depth, in order to describe this question more thoroughly, we introduced the situation of handling in detail in term of typical bank and AMC again, and by way of data analysis, we proved the efficiency of handling of the non-performing assets in our country was still not high, need to combine the nationalnon-performing assets in our country was still not high, need to combine the national conditions of our country, seek more high-efficient ways that relied on market. Section two of this chapter analyzed the influenced factors of current measures from various kinds of angles, which mainly include relevant regulations are not completed, the development degree of capital market is low, the government is too much in administrative interference and the mobility of the assets is not high.Chapter IV explained the suggestion and measure of improving the validity of handling at present stage. At first we should give full play of government's guidance function. Secondly should accelerate property right reform paces, offer the prerequisite for high validity of the non-performing assets. At last, in order to maximize benefit of various measures of non-performing assets.
Keywords/Search Tags:State-owned commercial bank, Non-performing assets, Handling way
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