The Study Of International Experience And China's Practice In Disposal Non-performing Assets In State-owned Commercial Banks

MUCh have we learned from sourh-east financial crsis that the healthy financial system is of great fundamentality to economics. Today, the non-performing assets. derived from the state-owned commercial banks, have severely imperiled stability of financial system and economical development. Since 1999, Chinese government have attached great importance to it and have commenced to clear away the "the lion", which baffled the financial reform. The non-performing'two rates" reposefully decreased after seven-year's endeavour, Which have showed the great achievement, but Standard PooL Research Reports, have not given us optimism, for the non-performing rate it produced distributes between 40-44percent. Historical and practical lessons wised that eagering for success always leads to future trouble. The resolution way is to undertake both temporary and permanent control based on the situations.The dissertation sets from Chinese special background, analysises comprehensively the statuses and causes of our state-owned commercial banks, and uses international experience for reference, hen presents the way for operation and inaugurate countermeasure for system combining practical problems, which adapt Chinese situation.The text dissertate in four parts: The first part introduces the non-performing assets status: starts from the boundary and classifying, then elaborately describe in multi angles the scale and characters. From above we know the tremendous harm of non-performing assets and the significance of perishing was pointed out. The second part begins throughout outside and inside angles of view , integrating new system economics principles and combining historical and practical factors , opens out the complicated cause information. The third part helps us get hold of corresponding experience considering Chinese situations after comparing international non-performing assets deposiion patterns. At last, with knowing the whole of situations and problems of non-performing assets we call deduce the countermeasures of disposing the existed and putting an end to the engendering of non-performing assets after synthesizing the analysis above: promote the operation of AMC in corporation way; consummate running mechanism of the four banks on the disposal; Cultivate non-performing assets trading market; reinforce inaugurating system construction, then make the way to temporary and permanent control.