An International Comparative Study On The Management Of Non-performing Assets In Commercial Banks

From the historical experience of the global financial industry development,the huge non-performing assets in the banking system are one of the important causes of frequent international financial crisis.In recent years,China's economic growth is slowing,financial system reformation and economic structure adjustment of deterioration factors lead to some business issues.With the loan defaults increasing,commercial banks non-performing assets shows an ascending trend.Many countries in the world are facing commercial banks non-performing assets risks.Governments and commercial banks are concentrating exploring the effective resolution for such outbreaks based on the capital market's own characteristics of non-performing assets under the fundamental situation and development by which generalized the disposal models.The author embarks from the concept of non-performing assets of banks by time,and systematically analyzed the disposal modes United States,Japan,South Korea,and major European countries for the disposal of non-performing assets of commercial bank mode,practice and their disposal effect,and on the basis of combining with the present stage our country economic problem of disposal of non-performing assets in China's banking industry under the new normal exposed problems,trying to put forward some effective and feasible countermeasures and solutions.Provide reference for the banking industry in China.The overall idea of this paper is as following: First chapter start with the present stage our country commercial bank bad assets status,introduced the selected topic background and research significance,the analysis of the current research on this subject at home and abroad,this paper introduces the research contents and research methods of this article and points out the innovations and shortcomings.The second chapter presents the situation and causes of commercial bank non-performing assets in our country by introducing the concept of non-performing assets of commercial banks,which specifically delimits the non-performing assets as the non-performing loans of commercial banks.Secondly this paper introduces the current situation of non-performing assets of commercial banks in China,and analyzes the causes of the non-performing assets.The third chapter,the paper introduces situation and background of non-performing assets of the main western countries.The disposal measures and effects taken by governments,banks and other financial institutions are respectively illustrated given the instances exploded in the commercial bank non-performing assets in United States,Japan,South Korea,and major European countries.The fourth chapter introduces the development disposition of non-performing assets,disposal experience and existing problems among our country commercial banks.Moreover it enumerates the disposal attempts of non-performing assets of commercial bank in our country under the new economic situation therefore put forward some feasible solutions and suggestions.