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Our Country Commercial Bank Non-performing Assets Disposal Problems And Legal Countermeasures

Posted on:2017-01-15Degree:MasterType:Thesis
Country:ChinaCandidate:Y Y SunFull Text:PDF
GTID:2296330488475289Subject:Legal theory
Abstract/Summary:PDF Full Text Request
Bank non-performing assets disposal, can also be referred to as the Banks non-performing assets to solve, refers to the risk control ability, in order to improve the Banks to reduce losses, prevent individual bank failure and system bank crisis, through various means of disposal method and disposal, have formed the bad bank assets for the floorboard of the management, activate or negated, and other related activities.Only from banking functions, the connotation and denotation of non-performing assets of Banks clearly defined, analysis of the emergence and existence objective necessity, the Banks non-performing assets from the Angle of the micro, meso and macro caused serious harm, to find and confirm the necessity of the system to solve the problem of non-performing bank assets. This article summarized from different point of view of economics, law on the definition of bank non-performing assets, points out that the bad bank assets is also a legal fiction of conceptual product, of the essence of the law to the bad assets of bank can innovate. Based on internationally accepted based on the definition of risk, the Banks non-performing assets is currently and temporarily in the abnormal operation state, failure to bring the expected economic benefits to the bank’s assets, is to take risk and loss of assets of the bank, the bank management risk and loss of the internal conversion relationship between concrete manifestation; At the same time, Banks non-performing assets is connecting individual risk overall risk to the banking sector, bank individual and systemic banking crisis. It is highlighted to prevent bank risks bad assets to the loss of transformation of non-performing assets, prevent the individual bank failure risk to a systemic bank crisis, the necessity and feasibility of the Banks non-performing assets disposal and legal regulation itself has positive significance, but also make up for the pure from the viewpoint of civil law, the banking bad credit assets is equal to non-performing loans and, in turn, as a distressed debt, making it impossible to cover other Banks non-performing assets except bad credit assets the natural defects. According to the definition of connotation to the bad assets of bank, this article will reasonably epitaxy expand to the critical situation of non--performing assets of Banks cannot profit or instant cash bank assets, and was shut down or taken over the failure of the total assets of financial institutions.
Keywords/Search Tags:Commercial Banks, The bad assets, Disposal mode, Legal regulation, The legal countermeasures
PDF Full Text Request
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