Study Of State-owned Commercial Banks' Bad Assets

The bad property in bank is to points in not good operate the appearance, it can't bring the commercial bank the normal interest income on time, even hard taking back the loan of the principal. Manage the arithmetic figure of the China Banking Regulatory Commisson announcement, close 2004 quarterly an end, bad loan in state-owned commercial bank surplus amount 1.89 dollars, bad loan rate is 19.15%, arithmetic figure is shocking.Bad property has becomes the current Chinese bank inside biggest hidden danger, not only make seriously roughly commercial and reformed progress in bank, but also threatens financial system with the safety of the economic system, baffling Chinese economy next move of development and reform, long drag along will not definitely make problem gradually serious, even may bring about the financial crisis .State-owned commercial bank the reason that bad property formation is complicated but special. From produce the power angle see, state-owned business enterprise and state-owned bank both are not to produce the power corpus independently, in fact they are same an inevitable outcome for producing power corpus, exactly this kind of traditional state-owned system producing power system causing bank seriously bad property problem, bad property crisis substance is a kind of system crisis, is traditional government-owned producing power system circulating. At the same time, state-owned bank still along national organization in management system, could not inner part that establishing and rising the modern financing institution manages the construction, inner part controls with encourage the mechanism, resulting in to operate the cost over high with manage the efficiency lowly, the society that add guarantees system, law system, environment factor is not perfect, also producing the important influence to the formation of the bad loan.Because bad property problem is that widespread and existent problem inside the scope in a world, with the beginning of in 90's of the leader of the United States proceed the bank reorganize, basic ascended to complete the bad property dissolve the work of the bank, our country to tide up the bad property of bank, divide into section, removal etc. property reorganization work just start.The stone of his mountain, can offend the jade, the abroaddissolves the experience of the bad property in bank with enlighten, having to draw lessons from to our country doubtless with the good demonstration function. Compare with Japan,the United States, Eastern Europe all countries and Malaysia countries, after handle the bad property, the writer thinks that it is concrete circumstance that bad property in bank handles that a complicated problem, all countries usually and not only on using a certain method, but according to our country banking, synthesize adoption various ways, in order to attains to handle result of superior.The bad property dissolves the world that have no a mode goes through, all countries experience can consult, draw lessons from, but can't shine on to copy and shine on to move.The bad property of the state-owned commercial bank in our country takes the obvious policy with the ages characteristic, from but come to a decision the our country dissolve the bank bad the property can't shine on to move the abroad experience, but want according to our country of the state of the nation comes out a road that characteristic bank in China property dissolve. Our country passes the mode that property management company handles bad property in bank currently and in a specific way to the obligation pass section, the property stock certificate turns to wait the way, having one's own its rationality, but they are not" The Savior Messiah", if can't go forward from the system a line of reforming with creative, they may can't develop anticipant effect.Present condition that aim at the bad property in our country, the writer thinks, should from the source that reform from the system commence, passing to produce the institutional reformation in power, establishing to rise with th...