188宝金博页面版

1 目 录 目 录 .......................................................................................................................................... 1 摘 要 ........................................................................................................................................ 2 一、引言 .................................................................................................................................... 3 （一）研究的目的与现实意义 ........................................................................................ 3 （二）国内外研究现状 .................................................................................................... 3 1、国外研究 .............................................................................................................. 3 2、国内研究 .............................................................................................................. 3 （三）本文的写作思路及创新之处 ................................................................................ 4 二、我国商业银行不良资产的现状 ........................................................................................ 4 ﹙一﹚银行不良资产的界定 ............................................................................................ 4 ﹙二﹚不良资产的数量 .................................................................................................... 4 （三）不良资产的分布 .................................................................................................... 5 （四）不良资产给商业银行带来的：: ....................................................................... 5 1.影响银行的资金周转。 ......................................................................................... 5 2.造成银行的资产损失。 ......................................................................................... 5 3.导致银行财务状况恶化。 ..................................................................................... 5 三、不良资产的成因 ................................................................................................................ 6 （一）经济环境 ................................................................................................................ 6 （二）国家政策 ................................................................................................................ 6 （三）企业原因 ................................................................................................................ 6 （四﹚银行自身经营管理体制不健全 ............................................................................ 7 (五)金融监管乏力 ............................................................................................................. 7 ﹙六﹚社会信用体系不健全，社会信用环境不佳 ........................................................ 7 四、防范不良资产的对策 ........................................................................................................ 8 ﹙一﹚深化体制改革 ，增强宏观调控能力 .................................................................. 8 ﹙二﹚要减少政府的行政干预 ........................................................................................ 8 ﹙三﹚完善信贷管理机制 ................................................................................................ 8 ﹙四﹚国有企业要改善本身的经营状况 ........................................................................ 9 1.资产重组。 ............................................................................................................. 9 2.转变经营观念。 ................................................................................................... 10 ﹙五﹚强化金融监管，提高监管效率 .......................................................................... 10 ﹙六﹚制定关于不良资产的专项法律 ，构建完善的法律框架 ................................ 10 ﹙七﹚整治信用环境，建立和健全社会信用体系 ...................................................... 11 参考文献 .................................................................................................................................. 12 致 谢 ....................................................................................................................................... 13