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论文编号：	11607
作者编号：	2320170722
上传时间：	2020/6/8 23:03:08
中文题目：	MS银行天津分行不良资产处置策略研究
英文题目：	Research on the Disposal Strategy of non-performing Assets in MS Bank Tianjin Branch
指导老师：	于斌
中文关键字：	MS银行天津分行；不良资产；处置；批量转让；证券化
英文关键字：	Tianjin Branch of MS Bank；Non-performing Assets；Disposal；Batch Transfer； Securitization
中文摘要：	不良资产问题可以说在世界范围内都是一个问题，所有国家政府与银行均要应对这一困境，而我国商业银行的不良资产率较高，且因为制度因素不良资产的原因比较繁琐。这对金融市场的稳定产生了影响，且在某种程度上对我国金融行业的发展与改革产生了限制。所以，分析不良资产处理方式，有着较为重要的理论意义。同时，本文研究期望借助对于问题的分析为MS银行天津分行的长期发展准备条件，减少不良资产的消极影响。MS银行天津分行的不良资产问题显然对MS银行天津分行的长期发展产生了一定的影响。文章对MS银行天津分行不良资产的处理方式开展了深入的分析，为MS银行天津分行不良资产处理提供了全新的路径，为加速的推进不良处理进程、落实良性发展准备了充足的条件，同时对我国其他银行不良资产的处理可以提供帮助。 首先，本文对当前银行不良资产处置的背景及意义进行了概述，总结归纳了国内外关于银行不良资产处置的研究成果，确定了本文的研究内容和框架。同时，对论文研究过程中涉及的基本概念及理论基础进行了概述，奠定了论文研究的理论基础。 然后，论文以MS银行天津分行为例，对其不良资产的现状及其处置手段、处置存在的问题进行了调查，从中可以看出该行资本充足率持续走低、个人经营性贷款不良率高等特征；其通过内部和外部两种模式处置不良资产，包括：常规清收、法律诉讼等共计7中具体措施；该行不良资产处置还存在内部处置效率较低、外部处置中证券化处置与批量转让选择困难、外部处置操作层面问题较多等不足。 接着，论文通过利用对比分析法为MS银行天津分行不良资产外部处置模式的选择提供了建议和参考：对公大额不良资产进行批量转让处置、小微企业不良资产证券化处置、个贷不良资产证券化处置。 最后，为了更好的促进MS银行天津分行不良资产外部处置策略的实施，从不良资产处置团队建设、不良资产处置精细化管理方面提出了相应的保障措施。
英文摘要：	The problem of non-performing assets can be said to be a problem all over the world. All governments and banks have to deal with this dilemma. However, China's commercial banks have a high rate of non-performing assets, and the causes of non-performing assets are complicated because of institutional factors. This has an impact on the stability of the financial market, and to some extent, it has restricted the development and reform of China's financial industry. Therefore, it is of great theoretical significance to analyze the treatment of non-performing assets. At the same time, this paper expects to make preparations for the long-term development of Tianjin Branch of MS bank and reduce the negative impact of non-performing assets. The problem of non-performing assets in Tianjin Branch of MS bank obviously has a certain impact on the long-term development of Tianjin Branch of MS bank. This paper makes an in-depth analysis on the treatment of non-performing assets of Tianjin Branch of MS bank, which provides a new way for the treatment of non-performing assets of Tianjin Branch of MS bank, provides sufficient conditions for accelerating the process of non-performing treatment and implementing the benign development, and provides help for the treatment of non-performing assets of other banks in China. Firstly, this thesis summarizes the background and significance of the current disposal of non-performing assets of banks, summarizes the research results of the disposal of non-performing assets of banks at home and abroad, and determines the content and framework of this study. At the same time, the basic concepts and theoretical basis involved in the research process of the thesis are summarized, which lays the theoretical foundation for the research of the thesis. Then, taking Tianjin Branch of MS Bank as an example, the thesis investigates the current situation of its non-performing assets, its disposal methods and existing problems. It can be seen that the non-performing assets of MS Bank are characterized by increasing scale year by year, decreasing capital adequacy rate, high non-performing rate of public loans and high growth rate. It disposes of non-performing assets through internal and external modes, including: There are 7 specific measures in the bank's disposal of non-performing assets, such as regulation and collection, legal proceedings, etc. There are still some shortcomings in the bank's disposal of non-performing assets, such as low efficiency of internal disposal, difficulty in Securitization disposal and batch transfer in external disposal, and more problems in the operation of external disposal. Then, by using the comparative analysis method, the thesis provides suggestions and references for the selection of external disposal mode of non-performing assets of Tianjin Branch of MS Bank: batch transfer disposal of large non-performing assets, disposal of non-performing assets securitization of small and micro enterprises, disposal of non-performing assets securitization of individual loans and non-performing assets of cards. Finally, in order to better promote the implementation of the external disposal strategy of non-performing assets of Tianjin Bank of MS Bank, corresponding safeguards are put forward from the aspects of team building and fine management of non-performing assets disposal.
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