摘要
- I -
摘要
目前我国正处于去产能、调结构、降杠杆的经济发展阶段，整个银行业不良贷
款金额持续攀升，给银行业的资金周转、持续经营产生一定不良影响。中国民生银
行作为我国股份制银行中的代表性银行，应该积极响应国家号召，通过债转股化解
自身不良贷款，降低不良贷款率，保证自身持续稳定经营。如何积极稳妥开展债转
股，基于债转股前期理论和案例实践，制定适合民生债转股的方案具有一定的现实
意义。对于商业银行如何设计债转股方案，加快债转股实施步伐，具有一定的理论
借鉴意义。本文以中国民生银行为研究对象，在分析民生银行贷款业务状况、不良
贷款结构和处置方法的基础上，应用文献研究、调查研究和数据建模的方法，提出
民生银行实施债转股的方案设计

首先，对债转股的相关理论进行了介绍，包括债转股的特点，债转股的制度结
构和运作机理，以及债转股的博弈框架，为下文债转股方案设计的提出做好理论准
备

其次，对民生银行贷款业务情况进行分析，总结归纳出民生银行不良贷款产生
的原因。运用对比分析法，比较各种不良资产处置方法的优势和缺陷，提出民生银
行实施债转股的必然性和可行性

再次，确立民生银行债转股方案的目标和原则、总体框架结构、主要内容，确
定债转股方案的具体步骤

最后，提出制定完善的债转股企业选择机制、强化股权管理、设计保护性条款、
积极引导各权益方转型等保障措施，保证债转股方案能够在民生银行更加稳妥有效
的实施

关键词：债转股；股权治理；民生银行燕山大学工商管理硕士学位论文
- II -
Abstract
China is now in the economic development stage of cutting overcapacity, adjusting
structure and deleveraging. The increasing non-performing loan of the entire banking
industry has imposed a negative impact on the turnover of capital and sustainable
operation. As a representative joint-stock bank, CMBC (China Minsheng Bank) should
respond to the call of country actively, defuse non-performing loans through
debt-to-equity swap, lower the non-performing loan ratio, and guarantee its stable and
continuous operation. How to launch the debt-to-equity swap actively and steadily and
formulate a swap plan suitable for CMBC based on the previous theory and practice of
debt-to-equity swap will be of certain realistic significance. Furthermore, it will also be
referential for commercial banks in the way of designing debt-to-equity swap plans and
accelerating the implementation. By taking CMBC as the research target, this paper puts
forward the implementation plan of debt-to-equity swap for CMBC with document
research, investigation and data modelling, based on the analysis of CMBC loan business
conditions, structure of non-performing loans and disposing methods.
Firstly, related theories of debt-to-equity swap are introduced, including the features,
institutional structure, operating mechanism and game framework of debt-to-equity swap,
to make theoretical preparations for the proposal of debt-to-equity swap plan.
Secondly, loan business conditions of CMBC are analyzed, and causes for
non-performing loans are summarized. Besides, advantages and disadvantages of various
methods of treating non-performing assets are compared with contrastive analysis, and
the inevitability and feasibility of implementing debt-to-equity swap in CMBC is
proposed.
Thirdly, goals, principles, overall frame structure, contents and specific steps of
debt-to-equity swap are confirmed for CMBC.
Finally, safeguard measures are put forward to ensure that debt-to-equity swap
can be implemented much more steadily and effectively in CMBC, for instance,
formulating sound debt-to-equity swap enterprise selection mechanism, reinforcing theAbstract
- III -
stock equity management, designing protective provisions, guiding the transformation of
all stakeholders actively, etc.
Keywords: debt-to-equity swap; equity governance; China Minsheng Bank摘要
- V -
目 录
摘要........I
ABSTRACT..........II
第 1 章 绪 论.....1
1.1 研究背景及研究意义........1
1.1.1 研究背景.........1
1.1.2 研究目的及意义.........2
1.2 国内外研究现状....2
1.2.1 国外研究现状.2
1.2.2 国内研究现状.4
1.2.3 国内外研究现状.........6
1.3 研究方法和研究内容.........7
1.3.1 研究方法..........7
1.3.2 研究内容.........7
第 2 章 债转股的相关基础理论.9
2.1 债转股的界定及特征........9
2.1.1 债转股的概念及分类.9
2.1.2 债转股的法律特征.....9
2.2 债转股的运作机理..........10
2.2.1 债权人角度的债转股运作机理.......10
2.2.2 债务人角度的债转股运作机理.......10
2.2.3 社会投资人角度的债转股运作机理...........10
2.2.4 企业原股东角度的债转股运作机理...........11
2.3 债转股的博弈理论...........11
2.3.1 债转股总体的博弈框架.......11
2.3.2 债转股相关者的博弈行为....12
2.4 本章小结..14
第 3 章 中国民生银行贷款管理现状分析.......15
3.1 中国民生银行简介及发展战略..15
3.2 中国民生银行贷款业务目前状况..........15
3.2.1 中国民生银行贷款业务相关指标...15
3.2.2 中国民生银行贷款业务处理流程...16
3.3 中国民生银行不良贷款现状......17燕山大学工商管理硕士学位论文
- VI -
3.3.1 中国民生银行不良贷款现状分析...17
3.3.2 中国民生银行不良贷款处置方法及利弊...20
3.4 中国民生银行不良贷款管理存在问题及原因分析......21
3.4.1 中国民生银行不良贷款存在的问题21
3.4.2 中国民生银行不良贷款原因分析....22
3.5 中国民生银行实施债转股的必要性和可行性..23
3.5.1 中国民生银行实施债转股的必要性.......
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