Choice Of China's State-owned Commercial Banks' Bad Assets Disposal Measures

Based on the introduction of foreign experience in disposing unhealthy assets, this thesis to adopts a combined way of induction, deduction and comparison the unhealthy assets of China抯 state梠wned commercial banks and to further discuses the alternative measures in disposing such unhealthy assets. This thesis consists of four parts. The first part defines the extent of unhealthy assets and analyzes the present condition of the unhealthy assets of China抯 state梠wned commercial banks. On this basis, the essay goes deep into its causes, features and its effects on the finance and economy of our country. The second part introduces respective the disposal methods of countries and districts such as the USA, Japan, Poland and South梕ast Asia, etc in different periods. Then it draws out the similarity and difference among those methods, Which provides experience which can be used to dispose of the unhealthy assets of China抯 state梠wned commercial banks. The third part suggests, on the basis of the two previous part抯 analysis, four measures in dealing with the unhealthy assets of the state梠wned commercial banks of our country, namely, to reclassify the types of loans, to cancel after verification bad beats; to speed up the reactivation of unhealthy assets and transfer creditor抯 rights to shares. According to the concrete condition our country and from the consideration of different internet groups, this part emphasizes the necessity and rationality of transferring debts into shares in unhealthy 42 assets?disposal. The last part brings forward appreciate countermeasures and suggestions according to the problems that wise in the course of transferring debts into shares. In detail the measures are strictly classifying unhealthy assets, formulating regulations of companies in controlling financial assess positively promoting the formation of capital market, and completing system of bark, etc. Besides, this part raises four requirements for the transfer of debts to shares of banks in order to standardize companies.