The Study Of Practice And Innovation About China's State Commercial Bank Treatment The Non-performing Assets

Going with China joined the World Trade Organization, in the face of competitive pressure from multinational banks overseas coming in, our state commercial banks have to accumulate considering their subsistence and development. According as constituting modern corporation system, (we) must reconstruct the state commercial banks to modern financial enterprises as soon as possible, with perfect father configuration, sound circulate mechanism, definite management target, upstanding financial status, and having the stronger international competition. Existence of substantive non-performing assets, mostly restrict the state commercial bank's alteration and development. To four state commercial banks, there are two obstruction on the way coming into the market, one is capital fund abundance rate, another is non-performing assets. The front problem can be resolved by nation stockholder infusing financial capital. (For example, central bank infused 45 billions US dollars capital to China Construction Bank and Bank of China at the end of 2003.) But the latter is an arduous and complicated task, need to give attention to all aspects' economic advantage and social benefit.Besides traditional treatment methods for banks to debtor such as paying corpus with derating interest, retracting by lawsuit, commuting with object, auction the bonded object, closing down and liquidating, bankrupting and repaying, (we) ought to explore and fulfill the innovative treatment method actively, then the non-performing asset will be resolved ultimately.The text starts with formative complications such as system, mechanism and artificial about the non-performing assets of china's state commercial banks. First anatomy the effect for traditional treatment methods to nation, enterprises and banks, then based on the internal and overseas successful experience of treatment the non-performing assets, innovate study the differential treatment pattern. Adoption thedifferent pattern with different character non-performing assets, carry out respectively such as assets security, bank cooperate with government batch treatment, transferring to foreign capital framework or demotic capital, etc. More methods and pattern treatment non-performing assets , realize the economy benefit and social benefit winning together. The text emphasize especially: with treatment the historical non-performing assets, furthermore ,ought keep away the new non-performing assets occurring.