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论文编号：	7781
作者编号：	2120132568
上传时间：	2015/12/5 22:09:13
中文题目：	X银行青岛分行不良资产成因及化解对策研究
英文题目：	Study of the causes and disposal of the non-performing assets in X Bank Qingdao Branch
指导老师：	薛有志
中文关键字：	商业银行;不良资产;对策
英文关键字：	Commercial banks;Non-performing assets;;Disposal
中文摘要：	商业银行不良资产处理一直以来都是金融机构甚至国家层面关注及研究的重点。不良资产形成的原因错中复杂，有着外部原因，也有着内部原因，正由于这些原因的存在从而导致商业银行资产蒙受巨大损失，甚至在经济周期低谷时期会危机国家金融环境健康发展，进而进一步波及整体经济的运行，经济与金融的发展存在明显的正相关性，2014年的经济与金融环境的变化非常鲜明的反映了这一特点。那么在当前政府积极推进全面改革、利率市场化积极推进、人民币国际化战略的背景下，如何预防以及化解银行不良资产保障金融系统稳定有序的发展，给新经济注入新的活力显得尤为重要。 X银行为我国排名靠前的股份制行业银行之一，为中国改革开放最早成立的商业银行之一，同时也是中国最早参与国内外金融市场融资的商业银行，并以创造中国现代金融史上多次第一而扬名海内外，为中国经济建设做出了重要的贡献。X银行青岛分行地处中国较大的港口城市青岛市，于1991年入住岛城，是进入青岛的第一家股份制商业银行，从资本金只有5000万元的小银行，到资产总额超过800亿元的跨地区强势商业银行。成立较早必然面临大量的不良资产问题困扰，可以说X银行青岛分行不良资产的处理也是国内商业银行不良资产处理的一个缩影，自身也积累了丰富的处理经验，但随着经济金融环境的变化，特别是社会融资形式的变化、企业管理模式的创新、国家政策的完善等情况的发生，老一套不良资产处理办法已经不能完全解决当前的问题，需要不断研究寻找更为有效的解决途径。 本文通过对X银行青岛分行所处地理经济金融环境以及自身的经营情况，并对不良资产进行数据分析，通过具体的案例分析，揭示不良资产形成的原因以及在后续处置问题所采取的方法，通过对问题的研究转而提出更为新意的解决途径，给出一个较为完善的不良资产处理建议。本人创新之处在于研究当前形势之下，且中国新经济发展的背景下，提出新式的处理不良资产处理方案，为我国商业银行不良资产的预防及处理提供一定的参考价值。
英文摘要：	The disposal of non-performing assets of commercial banks is the concern of financial institutions and the government and the study focus all the time. The causes of non-performing assets are complicated, which come from the outside as well as the inside. The existence of these causes leads to huge loss to assets of commercial banks. During the downturn of economic cycles, it can even harm the healthy development of the national financial environment, and further harm the whole economy. There is an obvious positive correlation between the developments of the economy and finance, which is significantly reflected in the change of the economic and financial environments in 2014. Thus, in the background of the government’s active implementations of the overall transform, interest rate liberalization and RMB internationalization, it is of crucial importance to prevent and dispose banks’ non-performing assets in order to guarantee the stable and orderly developments of the financial system and infuse new vitality into the new economy. X Bank is one of the top joint-equity industrial banks in China, one of the first established commercial banks after the transform and opening up, and also the first China commercial bank that took part in the financing activities in domestic and international financial markets. It becomes famous domestically and internationally for the creations of many number ones in the China modern finance history, and makes an important contribution to the China economic construction. X Bank Qingdao Branch is located in a great harbor city—the Qingdao City. It is opened in 1991 in the Qingdao City. As the first joint-equity commercial bank in Qingdao, it has become from a small bank with capital of only RMB 50,000,000 to a dominant inter-regional commercial bank with total capital more than RMB 80,000,000,000. The early opening of the bank means the harassment of a large amount of non-performing assets. In a sense, the disposal of the non-performing assets in X Bank Qingdao Branch is a miniature of the disposal of the non-performing assets of domestic commercial banks. The bank itself has also accumulated much experience of handling the problem. With the change of the economic and financial environments, especially the change in the social financing methods, the innovation in corporate management styles, and the improvement in national policies, existing disposal methods of the non-performing assets cannot fully solve the current problems, and it is necessary to continuously study and search for more effective solving methods. Through the analysis of the geographical, economic and financial environments, the operating situations, data of the non-performing assets, and the specific case of X Bank Qingdao Branch, this paper reveals the causes of the non-performing assets and the subsequent measures it takes in tackling the problem, proposes more innovative solving methods through the study of the problem, and provides relatively consummate suggestions of disposing the non-performing assets. My innovation lies in the proposition of new disposing methods of the non-performing assets which is of value to the prevention and disposal of the non-performing assets of China commercial banks, in the background of studying the new economic situations and the developments of the China new economy.
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