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Disposition Of Non-performing Assets Of "H" Commercial Bank

Posted on:2018-09-27Degree:MasterType:Thesis
Country:ChinaCandidate:T JiangFull Text:PDF
GTID:2359330518999815Subject:Business management
Abstract/Summary:PDF Full Text Request
With the increasingly fierce competition of commercial banks in China, the disposal of non-performing assets of banks becomes urgent. The disposal of non-performing assets not only troubled the development of the banking industry in the world, but also the common problems in the process of reform and development of China's commercial banks. In fact, there are many non-performing assets have the potential to enhance the value. Because of some bad assets is only the surface of bad,but its asset quality is not bad, but for some reason, bear a heavy debt, it can not be timely return; and some bad assets are due to improper allocation of resources caused by the planned economy period. Therefore, the existence of some bad assets can be seen as a kind of resources that can be developed, but also a broad investment market. The disposal of non-performing assets of commercial banks is of great significance.The main purpose of this paper is to investigate the problem of the disposal of non-performing assets of commercial banks, in the hope of summarizing the traditional mode of combining the analysis of foreign experience to innovation, and puts forward some suggestions on the treatment of non-performing assets of commercial banks in China, to better play its service function. Therefore, the study of this problem has a strong practical guidance.In this paper, after the definition and classification of non-performing assets of banks, the reasons for the formation of non-performing assets of commercial banks, as well as the harm caused by excessive non-performing assets of banks. Based on the analysis of the current situation of non-performing assets of commercial banks in China,it is found that there are still some problems in the current disposal methods. By drawing on the disposal of non-performing assets related to the experience of foreign banks, summed up the methods of debt restructuring, sheet financing, asset securitization and a series of subsequent imitation, and application in related cases.Finally, the paper puts forward the safeguard measures of China's commercial banks in the disposal of non-performing assets, and puts forward the shortcomings of the article.
Keywords/Search Tags:Commercial Bank, Non-performing Assets, Debt restructuring, Off-balance-sheet financing, Non-performing assets securitization
PDF Full Text Request
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