| Finance as the core of modern economy, the asset quality is the lifeline of the bank. In recent years, the problem of bad assets in state-owned commercial Banks has become hugeness, which restricts the development of the reform of state-owned commercial Banks and greatly threatened the macroeconomic stability and healthy development of our country. The China banking regulatory commission data:at the end of 2015, commercial Banks (legal) balance of non-performing loans of 1.2744 trillion yuan, non-performing loan ratio of 1.67%; At the end of 2014, commercial Banks (legal) balance of non-performing loans of 842.6 billion yuan, non-performing loan ratio of 1.25%. Compared with 2014, just a year balance of non-performing loans increased by 431.8 billion yuan, the growth rate of 51%.In the face of bad assets of state-owned commercial Banks increased balance and improve the non-performing assets ratio, it requires us to seriously explore the causes of the formation of state-owned commercial Banks non-performing assets, draw lessons from Europe and the United States and other countries experience, find out the effective disposal of non-performing assets, contain bad assets balance increase and the methods to improve the effective rate.This article through to the disposal of non-performing assets abroad experience for reference, the bad assets disposal in our country present situation and countermeasure research, at the same time as I state-owned commercial Banks non-performing assets disposal of case analysis, sums up the law system of bad assets disposal in our country at present is relatively incomplete, bad asset disposal method is more traditional, national understanding of credit system itself is relatively not enough. Put forward the state-owned commercial Banks can draw lessons from foreign experience in debts into shares, assets securitization of non-performing assets, attract private capital for investment, vigorously advocate the use of the Internet... |
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