Commercial Bank Non-performing Assets Handles The Mode Discussion

At present, the non-performing loan questions of four major state-runcommercial banks become the hot issue that many people discuss too. State-runcommercial bank non-performing loan handle how about finally it will becurrent situation? Where is the way to dissolve risk? Some measures takenduring these years, how on earth including government that put forwardrecently handle the result of the mode of non-performing loan by the gross ?Waiting a moment, there are many statements, the view differs. This text adoptsto handling the mode of non-performing assets of the bank currently, especiallythe government handles the mode and goes on the theory and effectiveness toanalyse by the gross , on this basis , have put forward and utilized theintermediary to handle the view of non-performing assets of commercial bank.This text divides four chapters altogetherChapter one commercial bank current situation and puzzled thatnon-performing assets handle. To the non-performing assets of the financialsystem, our country has taken much measures to reply actively, if in sellclearance of trust and investment corporation,develop there aren't trust andinvestment corporation, China new technology pioneering investment companyChina the countrysides, the rescue of Chinese Ever Bright International Trustand Investment Corporation is recombinated, the closing of especiallydevelopment bank of Hainan is cleared , it indicates to be already handle banknon-performing assets , dissolve financial risks issue is it arrive importantposition very to put from theory circle , banking to Chinese Government. Butface 2,000 billion non-performing assets and 1,000 billion losses produced fromthis, the day of the state-run commercial bank is not yet relaxed. It is many howto handle statements of non-performing assets of the bank on earth, the viewdiffers, one may well say different people have different views.Chapter two the non-performing assets of commercial bank to handle themode. Handling the non-performing assets roughly has four ways: 1. Draw themoney capital reserve of bad account from the commercial bank's own profit; 2.The Ministry of Finance pours into the fund; 3. The asset-liabilities isrecombinated, debt-to-equity swap , issuing bonds or mixing bonds , or willborrow or lend money the securitisation of making up ; 4. The outside is solved,sell the non-performing assets to the outside assets company or other financialinstitutions. So of our country commercial bank non-performing assets handlemode have the following four modes. First, the non-performing loan that thebank oneself is cancelled. Second, the non-performing loan that the financialallocations are cancelled. Third, the rearrangement of assets dissolves thenon-performing loan. Fourth , " strip " the non-performing assets of the bank.By the look of situation operated, the profit rate of state-run commercialbank is too low, make them lack the ability to digest the non-performing loan byoneself . If require four major commercial banks not to know by one's ownproblem of solving the non-performing loan of profit how many years arewanted; The non-performing loan of filling in the commercial bank throughissuing additional national debts is only a kind of illusion not practical ; Thefeasible range of the scheme of rearrangement of assets is very limited; "stripping " is a free lunch of four major banks, four major commercial bank ,four major property management company finally,, the People's Bank of Chinaand Ministry of Finance someone is it is it pay the bill to " check " to come outalways. But seen from situation operated, these mode main drawbacks are tocause the behavior of playing a game of 'go' chess of government and bank.So, analyse from the special national conditions of period of China'stransition economy , someone thinks that there are control abilities with sourceof whole joint-venture of people's government at all levels at the present stage,have the ability to handle the non-performing loan with bank. Then, thePeople's Bank of China and former State Commission for EconomicRestructuring consulted and put forward implementing government's handlingthe idea of non-performing assets of the bank by the gross in Industrial andCommercial Bank of China in 1998. Basic thinking and concrete to it imaginesto be, state-run commercial bank made up of the non-performing loans ofenterprises a certain area country several assets make, repay according to acertain one rate sell give local government , recombinate by local governmentdirection pool repay into the fund according to assets state of enterprise these,losses that the bank forms to repaying apply to cancel after verification. From2003, this kind of mode of handling begins to implement in such province andcity as Tianjin ,etc..But it is that the bank transfers the non-performing assets to the cereals forthe finance at all levels that this kind handles mode essence , meanwhile, thiskind of mode of handling not only can't realize the just and sound price of themarket , but also the unavoidable one caused and sought the phenomenon ofrenting. By the look of situation operated, the profit rate of state-runcommercial bank is too low, make them lack the ability to digest thenon-performing loan by oneself . Require four major commercial bank by one'sown profit government for reach it is it buy great volume input , bank ofnon-performing assets to retrieve, often use the administration means togenerally redound the sale price which wants similar assets, so as to drive theprice of the non-performing assets sold by it. As the government has graspedresources that can be sold artificially --The non-performing assets which thebank has already sold to the government, has sought and rented the emergencewith officer's corruption with unavoidable behavior. The result is that " thegovernment fails ".Chapter three the intermediary handles the mode of non-performing assetsof commercial bank. By the look of situation operated, the profit rate ofstate-run commercial bank is too low, make them lack the ability to digest thenon-performing loan by oneself . If require four major commercial banksaccording to handling the method of the non-performing assets at present byone's own profit, have not made the non-performing assets value of the bankmaximize , fail to pass this way too , improve the competitiveness of thestate-owned enterprise effectively. Especially state-owned enterprise , propertymanagement company of the state-run commercial bank are in means andtechnology of handling non-performing assets, the method is too single ,efficiency was not improved , a follow-up problem demands urgently to dealwith at the same time. If does not solve the problems in this respect , willrestrict the market competitiveness of the state-owned enterprise , commercialbank .Someone thinks , through the intermediary handles the non-performingassets of the bank can solve the current question of handling the mode properly ,realize the goal that the non-performing assets of the bank is handled . Thebasic thinking is that the non-performing assets of the bank can be entrusted tothe intermediary according to consulting the good proportion of sale, handlewithin fixed time. The intermediary collects certain proportion commissionaccording to the amount of handling non-performing assets, must handle more ,not handle more. Intermediary handle bank non-performing assets can is itdesign for the agreement to divide on the whole, the project is screened , theorganization chooses and calls for bid to trust , act as agent to handle and payagency fee , increase and decrease to deal with and wait for five stages. Theauthor has also set up the index system of this kind of mode theoretically,combine and discuss that analyses with Del Philippines law to every final goaland present actual conditions of index, for your guidance.The author is from the system economics theory, value chain theory,mechanism , external law and financial supervision ,etc. respect , theory ofsupply and demand and operation of market analyze intermediary handlecommercial bank feasibility , non-performing assets of mode. And think...