联系我们

论文查询结果	返回搜索

论文编号：	8834
作者编号：	2120142750
上传时间：	2016/12/8 23:20:09
中文题目：	金融不良资产处置分析研究 ——从天津金融资产交易所的视角
英文题目：	Analysis on the Disposal of Financial Non - performing Assets from the Perspective of Tianjin Financial Assets Exchange
指导老师：	王永进
中文关键字：	不良资产；金融资产交易所；财务管理；创新；信息不对称
英文关键字：	non-performing asset; Financial assets exchange; Financial Management; innovation; information asymmetry
中文摘要：	我国经济总体发展逐步进入新常态，“三期叠加”风险不断释放导致国内商业银行不良贷款余额以及不良率持续上升。“三期叠加”既有周期性因素中的短周期的景气下行与长周期的经济增速换挡变轨，也有外部国际经济低迷与我国内部经济发展模式转换、结构调整、产业升级换代、过剩产能风险释放等原因。与此同时，不良资产处置交易市场也发生了新转变。一方面，金融机构持有的不良资产持续释放，市场供应明显增加；另一方面，不良资产处置价格不断下行，收购风险加大，市场交易萎缩，处置难度愈发增加。市场对于依法、合规、高效、专业的金融不良资产处置模式的需求，愈发加强。 本文在对国内金融不良资产形势由浅入深分析的基础上，对国内传统的不良资产处置方式和天津金融资产交易所的创新处置方式分别进行了阐述。应用逻辑、比较、理论联系实际的研究方法，通过财务管理中的资产定价理论、信息不对称理论等相关理论工具，对实际案例进行了分析，总结比较了现有传统不良资产的处置模式和通过金融资产交易所的创新不良资产处置模式各自的优劣。最后，根据上述分析的结果得出了结论，总结了不足和对不良资产处置领域的展望。
英文摘要：	China's overall economic development has gradually entered a new normal, " three-stage superposition" risk continued to release, leading to the domestic commercial bank non-performing loan balance and non-performing rate continued to rise. The "three-stage superposition" has not only cyclical factors in the short-term economic downturn and long-term economic growth gearshift, but also have the reasons by external international economic down turn and China's internal economic development model conversion, structural adjustment, industrial upgrading, excess Production risk release. At the same time, non-performing assets trading market has also undergone new changes. On the one hand, the non-performing assets held by financial institutions continued to release, the market supply increased significantly; the other hand, the disposal of non-performing assets prices down, the acquisition of risk increases, shrinking market transactions, increasingly difficult to deal with. The market for law, compliance, efficient and professional financial non-performing assets disposal model needs, increasingly strengthened. Based on the deeply analysis of the situation of non-performing financial assets in China, we expounded respectively from the traditional disposal methods of non-performing assets and the disposal of innovative financial assets in Tianjin Financial Asset Exchange. This paper analyzes the actual cases through the methods of asset pricing, information asymmetry theoretical and other relevant theoretical tools in the financial management, applying the research methods of logic, comparison, theory with practice, summarizes and compares the strengths and weaknesses of the existing traditional non-performing assets disposal modes and Financial asset exchange innovative non-performing assets disposal model. Finally, according to the results of the above analysis, we draw the conclusion: summarize the shortcomings and the prospect of the disposal of non-performing assets.
查看全文：	预览  下载(下载需要进行登录)