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论文编号：	9023
作者编号：	2220110788
上传时间：	2016/12/22 10:37:10
中文题目：	浦发银行深圳分行不良资产现状及处理研究
英文题目：	Research on Non-Performing Assets And Disposalin SPD Bank Shenzhen Branch
指导老师：	李建标
中文关键字：	关键词：商业银行 信贷资产 不良贷款 不良资产处理 资产管理公司
英文关键字：	Key words: Commercial Bank, Credit Assets, Bad Debt, Non-Performing Assets, Asset Management Companies
中文摘要：	中国的银行业在改革开放后经历了三十余年的商业化发展，在经济新常态的宏观环境、实体经济下行的趋势下，面临众多发展机遇和挑战。包括浦发银行在内的中国银行业资产质量在近年来压力严重，不良资产余额、不良资产率双双攀升。如何在传统的处理和管理方式外，寻求创新的不良资产处理和管理模式，成为中国银行业的重要课题。本文运用商业银行学、财务报表分析等理论知识和银行业监管相关的法律法规制度，以浦发银行深圳分行的不良现状为出发点，结合浦发银行的整体资产质量及不良资产现状，探讨浦发银行深圳分行不良资产处置和管理的现状及传统模式，包括不良资产管理的特征，清收、重组、核销三种传统方式以及浦发银行与资产管理公司的传统合作模式对分行层面的作用。另一方面，分析当下实务中浦发银行深圳分行运用的其他处理方式，包括资产管理公司代持模式、银银互持模式和收益权转让模式，即不良资产出表。以及政策对这些非常规处理方式的影响，并探索不良资产处理的新兴模式。本文研究的意义体现在以下两方面：1、鉴于当前处理不良资产处理实务中的“非常规”方式存在政策障碍，本文的分析可使得从业者在实务中避免采用这些处理方式；2、本文根据现行的不良资产处置及管理的实务、政策法规，结合实际案例，在合规的前提下对几种处理不良资产的新兴模式（如不良资产证券化、债转股、不良资产处理的互联网渠道等）进行探讨，在当前包括浦发银行在内的银行业资产质量压力较大、不良资产处理和管理面临新的市场机遇的情况下，为银行业的从业者对新兴模式的设计、创新以及执行上提供了理论上的支持和实务上的启发。
英文摘要：	Since Reforming and Opening, the Chinese banking industry has been commercializing for more than thirty years. During the undergoing economic downturn, while opportunities and challenges exist, asset quality of the banking industry has been tested, balance and ratio of non-performing assets both soaring. Seeking an innovative path to manage and dispose non-performing assets, besides the traditional ones, has become an important issue for the industry. This paper analyzes the current asset quality and non-performing assets of SPD Bank with the help of the theoretical knowledge of commercial banking and financial statement analysis, as well as the relevant laws and regulations of banking supervision. The thesis also points out the problems in the disposal and management of the bad assets of SPD Bank. The status quo and the traditional model, including the characteristics of bad asset management, collection, reorganization, write off, and cooperation between SPD Bank and asset management companies. On the other hand, the author analyzes the unconventional ways of SPD Bank in current practices, and the effect of policy on these three unconventional disposal methods. The thesis goes on to explore the new methods of dealing with non-performing assets. The meaning of this study is reflected in the following two aspects: 1, In the situation that the current unconventional approaches to the existence of policy barriers, this analysis can make practitioners in practice to avoid the use of these treatment methods; 2, Under the precondition of compliance, the thesis discusses a series of new approaches in non-performing assets disposal and management practices with the actual cases, therefore provides a theoretical basis and practical inspiration for the banking industry practitioners in terms of design, innovation and implementation of emerging approaches in dealing with non-performing assets.
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