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本文通过对不良资产及其处置等相关文献进行梳理,借鉴国内外先进理论和实践经
验,系统分析了当前我国商业银行的不良资产现状。本文以桂林银行作为研究对象,详
细分析桂林银行不良资产现状以及不良资产产生原因。本文研究发现,桂林银行不良资
产的产生主要由自身因素和外部因素两方面构成。在自身因素方面,桂林银行的风控意
识不足,风险监管制度、体系不完善,没有做到完全有效的风险把控,同时缺乏高素质、
全方面、专业化的复合型人才,在人才引进和人才吸引方面也缺乏优势。在外部因素方
面,宏观经济波动影响不良资产的产生。同时,当前我国法律体系不健全,社会征信体
系不健全,这也为不良资产的产生提供条件。本文对桂林银行的不良资产评估方式和处
置方式进行深入研究,研究发现桂林银行在经营方面、管理方面以及外部环境方面都存
在诸多问题。针对桂林银行存在的管理架构不合理、绩效考核评价体系不完善、专业化
人才缺乏和内控机制不健全等问题,本文结合当前桂林银行的实际状况提出不良资产处
置的建议:桂林银行应当加强不良资产的防范,加强银行信贷资产风险管理,优化信贷
结构,加强风险管理体系建设,加强违规问责力度;桂林银行应当合理选择准确、有效
的不良资产评估方法,准确评估不良资产价值,减少不良资产的损失。在人员管理方面,
桂林银行应当加强人才培养,组建专业的不良资产处置团队,提升不良资产处置效率
其次,桂林银行应当积极使用创新性的资产证券化的不良资产处置模式,积极利用当下
大数据资源,实现线上线下联动,共同处置不良资产问题。最后,针对外部环境问题,
桂林银行应当积极寻求政府的支持与协助,积极协助政府完善当前的法律环境和社会信
用环境,打破银行与政府间的信息屏障,实现信息共享,促进不良资产处置工作能够高
效开展
本文旨在结合国内外先进理论和实际经验分析桂林银行不良资产的现状和不良资
I I
I
产处置存在的问题,进而提出具有针对性且行之有效的建议,从而推动桂林银行不良资
产问题的解决,推动桂林银行的发展
关键词:银行不良资产;不良资产处置;桂林银行
I
n Research on the disposal of the non-performing assets
in Guilin Bank
ABSTRACT
At present, with the accelerating of the pace of reform in the capital market , the huge
amount of non-performing assets seriously hampered the pace of China&39;s commercial banks
restructuring and development of the healthy operation of the national economy, and posed a
serious threat to the stability of the financial system . As China&39;s economy has entered the
speed of the shift period, the structural adjustment of the pain period, the early stimulation of
the digestion period, the problem caused by non-performing assets is more prominent.
Therefore, it is urgent to study the disposal of non-performing assets of commercial banks,
which is of great practical significance and theoretical significance. It is urgent to solve the
problem of non-performing assets of commercial banks in China.
On the basis of previous studies on the disposal of non-performing assets, this paper
analyzes the relevant theories of non-performing assets and the disposal of non-performing
assets, draws on the advanced theories and practical experiences both at home and abroad,
systematically analyzes the current situation of the non-performing assets of commercial
banks in China. In this paper, Guilin Bank as a research object, we detailed analysis of the
status of non-performing assets of Guilin Bank and the causes of non-performing assets. This
paper analyzes that the production of bad assets of Guilin Bank mainly has its own factors and
external factors. In terms of its own factors,Guilin Bank is lack of risk prevention and control
awareness, risk supervision system is imperfect. Guilin bank is lack of high-quality, all
aspects of professional compound talents and lack of advantages to attract talents. In the
external factors, the macroeconomic fluctuations affect the production of non-performing
assets. At the same time, the current legal system in China is not perfect, and the social credit
system is not perfect, which also provide conditions for the emergence of non-performing
assets. This paper deeply studies the way and disposal methods of Guilin Bank&39;s
non-performing assets, and finds that Guilin Bank has many problems in terms of operation,
management and external environment. Guilin bank management structure is unreasonable,
performance evaluation system is not perfect, lack of specialized personnel and internal
control mechanism is imperfect. In view of these problems, the author puts forward the
hi suggestion of disposal of bad assets in the light of the actual situation of Guilin Bank and its
own work experience and theoretical knowledge. Guilin Bank should strengthen the
prevention of non-performing assets, strengthen the bank credit asset risk management,
optimize the credit structure, strengthen the risk management system, strengthen the violation
of accountability, from the source to control the occurrence of non-performing assets. Guilin
Bank should improve the organizational stmcture of non - performing assets disposal,
improve the efficiency of non ■ performing assets disposal. Guilin Bank should be a
reasonable choice of accurate and effective assessment of non-performing assets, accurate
assessment of the value of non-performing assets, reduce the loss of non-performing assets.
In the personnel management, Guilin Bank should strengthen the personnel traiiiing, the
formation of professional non-performing assets disposal team, the establishment of efficient
and reasonable performance evaluation system to improve tile working capacity of
non-performing assets and work enthusiasm, and thus improve the efficiency of
non-performing assets disposal. Secondly, Guilin Bank should actively use the innovative
asset securitization of the bad asset disposal model, and actively use the current large data
resources, to achieve online and offline linkage, the common disposal of non-performing
assets. Finally, for the external environment, Guilin Bank should actively seek the support and
assistance of the government, and actively assist the government to improve the current legal
environment and social credit environment, to break the information barrier between banks
and the government, information sharing, and promote the disposal of non-performing assets
can be efficient to carry out.
This paper aims to analyze the current situation of non - performing assets of Gmlin
Bank and the problems existing in the disposal of non - performing assets in the light of the
advanced theory and practical experience both at home and abroad, and tiien put forward the
feasible and effective suggestions to promote the settlement of the problem of bad assets of
Guilin Bank, and promote the development of Gxiilin Bank.
KEYWORDS: Non-performing Assets; Disposal of NPA; Guilin Bank.
IV 目录
摘要… I
ABSTRACT HI
m 1
1.1研宄背景和研究意义
i
i.i.i研宄背景 1
1.1.2研究意义 1
1.2国内外不良资产处置研宂文献综述1.2.1国内相关文献综述1.2.2国外相关文献综述1.2.3研究现状评述1.3研究内容方法和创新之处1.3.1研宄内容 4
1.3.2研究方法 5
1.3.3.研究的创新点 5
1.4技术路线 6
第二章相关理论简述 7
2.1商业银行不良资产的界定2.2商业银行不良资产的成因2.3商业银行不良资产的危害2.4我国商业银行不良资产总体现状第三章桂林银行不良资产管理现状3.1基本概况 12
3.2桂林银行不良资产现状分析3.2.1桂林银行不良贷款逐年增加3.2.2桂林银行资本充足率逐年下降3.2.3桂林银行盈利能力持续走低v 3.2.4桂林银行贷款集中度较高3.3桂林银行不良资产产生原因3.3.1 _身因素 16。。。以上简介无排版格式，详细内容请下载查看
