Research On How To Effectively Mitigate The Badness Asset In Construction Bank

As the core of modern economy, it is not the partial but totally and socially pain that risk rising from the Finance. ASIA CRISIS teaches us a lesson that flimsiness of Economy often cause the Economy Crisis and badness asset result in the flimsiness of Economy. Therefore the quality of asset is the lifeline of commercial bank and the basis & guarantee of economy & finance health and development.The key time for innovating rules for modern finance enterprises comes to Construction Bank nowadays when facing the gradually complicated and severe competition. The high rate badness asset is the barrier for further developing. The most important issue is to reduce the badness asset effectively and improve the asset quality, Whatever the basis permit of coming into the market based on innovation 《Basel Agreement》 and 《Law of Commercial Bank》 's request for abundant asset or self-request for further expanding and participation of international competition.First of all, the article discussed the importance of the asset quality according to the affection caused by asset quality to operation and financial results of commercial bank respectively. Also, discussed the necessity to raise the asset quality of Construction Bank through the guild-supervising / raise comprehensive competition edge and share innovation.Secondly, the typical pain i.e. huge amount of badness and high badness asset rate / the backward rule to appear the badness asset / loan composition and configuration / invisible risk of rising amount of loan issuing / disposal ways of the badness asset were summarized after the transverse and longitudinal analyzing the reason. The conclusion obtained is that the key to achieve the objectives of improving asset quality and realizing the good-recycling of asset operation is to establish the prevention / Control /...