| From the end of 1980s, during the process of the reform of economic system, just because the old economic system has collapsed and the new one has not been built up, the State-owned enterprises' (SOEs) output has been reducing and their debt ratio has been increasing, which make the quality of the credit assets of the State-owned commercial banks (SOBs) become worse and worse. On the other hand, the SOBs transformed from the professional banks have undertaken both state and local business and thus amassed great amount of non-per forming assets. Undoubtedly, this has become the biggest hidden trouble along the economic and financial process of our country. With further development of our financial reform, how to resolve and avoid the risk of non-performing assets of SOBs becomes an important problem demanding prompt solution in the economic and financial process in a long time.Based on the current situation of SOBs' non-performing assets and its causes, and considering its negative effects, this article points out exactly the necessity to resolve and avoid the existed non-performing assets and the measures to resolve it throughout our country which are made by learning from the experience of reducing non-performing assets of foreign banking trade. The article consists of three parts, every lontents of which one as follows:The first part: the whole description and analysis to the basic situation of non-performing assets of SOBs. Based on the argument to the foundamental situation, forming causes and seriously negative effects to our economy and finance of non-performing assets of SOBs, this part points out the importance and necessity to resolve and avoid it.Most of the non-performing assets of SOBs is non-performing loans. According to some financial statistics, the present ratio for non-performing loans is very high. Andmore, the features of non-performing assets in current economic environment make the solution of this problem more difficult. Therefore, we should analyze deeply the forming reasons of it and the meaning of the solution.The occurrence of large amount of non-performing assets has many reasons. It can be caused by the misbehavior of the SOBs or the SOEs, the unusual relationship between the creditor and the debtor, the inner problem of the SOBs, the changing of the objective economic condition, the problems of existed system, the government's interference with SOBs' business. Generally, there are two factors: internal and external reasons.The large non-performing assets of SOBs has already affected the normal development of our country's finance and economy seriously. The results are as follows: the weakness of the banks' credit, the misdistribution of the financial capital, inefficiency of the financial capital, delaying of the modern enterprise system's establishment, losing of the national capital, hindering the reform of the SOBs and the pace of china's financial internationalization. It is to avoid such results that is the meaning to resolve and avoid the non-performing assets.The second part analyzes the experience and enlightenment of non-performing assets reshuffle from banks abroad.Some foreign countries succeeded in coping with the bank crises resulting from the non-performing assets. All their policies and practices have shown well reference to the settlement of non-performing assets for our country. There are several aspects for the international experience which inspire us:Restructuring bank non-performing assets as soon as possible and committed by professional company;Dealing with bank non-performing assets both on the surface and at the root, mainly at the root; Coordinating with state policy and the reform of SOEs.Relating to banking reform and the construction of capital market.The third part argues about how to solve the non-performing assets in stock and how to prevent new non-performing assets.The methods to deal with the non-performing assets are listed below:1.To separate good assets and bad assets of SOBs and then organize fi... |
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