State-owned Commercial Banks' Bad Assets Disposal Mode Selection

At present, the financial industry of our country is at the safe operation condition, but it still has kinds of financial risk. And a major risk is that bad assets proportion in the state-owned Commercial banks is excessively high. To solution the question, our country had taken a series of important steps. But the size of bad assets in state-owned Commercial banks was still very large. the handling and the method are also very unitary. These bad assets not only reduced the bank anti-risk ability, but also has negative influence on the monetary system's steady .then it affects the entire healthy development of national economy. Therefore, the effective resolving bank bad assets has become the state-owned Commercial bank's urgent matter as soon as possible.This article first analyzes the reasons and hazards of non-performing assets in state-owned commercial banks. In this based outlined an overview of non-performing assets of China's commercial banks the status. Then, it has conducted the research on bad assets' handling pattern in the domestic and foreign Commercial banks: The overseas aspect, introduced bad assets' handling situation in the US, South Korea and Poland banks. Through comparising of various countries' handling situation, it provides reference to our country's bad assets handling ; The domestic aspect, has analyzed the debt-equity swap mode, the securitization pattern, the transaction center pattern, and through"the structure - returns ratio"model choosed disposing bad asset in these three kind of patterns. At the foundation of preceding research, the article finally make key research to the state-owned commercial bank securitization mode, have putting forward countermeasure and suggestion of strengthening non-performing assets securitization development of commercial bank of our country, expect to handle and offer reference to the securitization of the non-performing assets of the state-owned commercial bank.