State-owned Commercial Banks Non-performing Assets To Income, Disposal And Management

China's bank system, whose turnover contributes 90% of the whole financial business volume, plays a crucial role in national economy. The unprofitable assets of the national commercial banks do not only obstruct the capital flow, but also heavily damage the banks' credit and their processes of reconstruction, and even worse, they would trigger the financial crisis. The lessons we draw from the international cases show that the high proportion of the unprofitable assets becomes the main reason of the bank crises and bankruptcies. Since 1980, according to the statistics of the IMF, above 66% of the financial problems and above 58% of the financial crises in the member countries are brought up by the reason mentioned above Therefore, it is emergent to solve the problems of the unprofitable assets in China's banks,which makes them more competitive.in recent years, the quality of the loan assets of China's banks has improved much by adjusting the consistent of the loans and marketing the bank lending through debts swapping, assets separating and so on, but the proportion of the unprofitable assets has not been reduced to the required level yet due to the historic accumulation. Based on the data published by the National Bureau of Statistics, the balance volume of the unprofitable assets in China's main financial institutions had reached to 2.44 thousand billion RMB yuan until 2005,Until now,there is 1.5 thousand billion RMB yuan unprofitable assets has not been soluted by Asset Management Corporation.3.94 thousand billion RMB yuan in all.Considering the possibility that the banks use some technical measures to get rid of supervision by listing the loans under the item of other assets on balance sheet, the real proportion of the unprofitable assets is far above that of statistics. Meanwhile, along with the fast growth of loans, it will bring in much more new potential risks to the national commercial banks.Until now, we have not found the effective solutions to the unprofitable assets yet, no mater in theory or in practice. Therefore, using the experiences of foreign countries for reference, we are in extreme need of working out the practical solutions by analysing the origins and current situations of the unprofitable assets in China. That idea is just the main purpose of this dissertation.