Study Of Joint-stock Commercial Banks' Bad Assets Disposal

At present, finance system reform has remarkable successes in China. Especially in recent two years, reform from national exclusive-investment commercial banks to joint-stock ones has made great evolvement. China Bank and China Construction Bank have made success in system reform. The proportion of joint-stock commercial banks in bank system is becoming greater. On the other hand, former joint-stock commercial banks are making new system reform, such as capital realignment and coming-into the market in Hong Kong of bank of communications. All illustrate joint-stock commercial banks become main bodies in bank system and play more and more important roles in finance development. However, we should know the present asset status of joint-stock commercial banks in China isn't fine and statistics displays increasing trend of ill asset amount especially in recent years. All form potential risks to joint-stock commercial banks and even the whole bank system and make great threat to durable, healthy and fast economic development. So the study of how to deal with ill assets in joint-stock commercial banks has important practical significance.This thesis introduces the definition and forming reasons of ill assets in joint-stock commercial banks, and then through ill assets status analyses it explains the importance and urgency of ill assets treatment under backgrounds of opening finance market after China entering WTO, new capital regulations in New BaleryAgreement and competitive financial environments etc.After analyzing the experience of foreign commercial banks for reference, this thesis explains it should use integrated methods to dispel ill assets. Meanwhile, this thesis advances new solution suggestions to difficulties in common methods.The thesis centres on the illustration that according to concrete conditions of ill assets, banks use different market methods to deal with different ill assets and the analyses of using stock and commercial methods in ill assets treatment. The thesis also emphasizes the important role of market methods, aiming to keep away and dispel financial risks and regulate economic structure.