Wto Transition Period Of China's Commercial Banks Non-performing Assets Disposal Mode And Path

In the recent years, the bank crisis has appeared to a different degree in many countries caused by the much bad assets. Therefore, these countries studied systemically how to dispose the much bad assets, also carried out some profitable practice and research, as a result they got some valuable experience.By using the international triumphant disposition practice of the bad assets for reference, our government founded the four assets management corporations to dispose the bad assets of the commercial banks in a concentrative way, but after the recent years' practice, we could find out the disposition effect is dissatisfying. In the fact, after the first peeling off, much bad assets also have been accumulated in the short years, so it is desirable to ask for the reason.So with the question, the paper first analyses profoundly the reason for the appearing of much bad assets in the four banks again, then uses the international triumphant disposition practice of the bad assets for reference and summarizes the experience that the four assets management corporations disposed the bad assets of the commercial banks. On the basic, the paper continues to contrast the cost---benefit of the different disposition modes, and at last, the paper brings forward the suitable mode to dispose the much bad assets at the present.The paper includes six chapters:The first chapter is how to identify and classify of the bad assets;The second chapter is to describe the reasons for the bad assets appeared in the four commercial banks and its peculiarity;The third chapter is to describe the significance that we should accelerate to dispose the bad assets;The forth chapter is to describe the international experience to dispose the bad assets;The fifth chapter is to contrast the cost---benefit of the different disposition modes and analyses the foreground that we use the assets securitisation to dispose the bad assets;The last chapter is to bring forward the suitable mode to dispose the bad assets at the present.