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论文编号：	9804
作者编号：	2120152751
上传时间：	2017/12/11 21:39:11
中文题目：	经济下行期商业银行不良金融债权的处置研究----以G银行为例
英文题目：	The Research on the Settlement of Disressed debt of commercial bank durning economy cycle of recession----take G bank for example
指导老师：	刘向东
中文关键字：	经济下行；G商业银行；不良债权；处置
英文关键字：	Economy recession; G commercial bank; Bad debts; Settlement
中文摘要：	近年来，随着我国经济发展的逐渐放缓，我国已经进入了一个下行的经济周期阶段。部分行业的风险已经暴露，相关企业的经营出现了不同程度的亏损。继过往粗放式的发展方式之后，我国开始了供给侧改革、去产能的经济结构转变。商业银行作为我国金融市场最重要的金融媒介，也同样步入了精细化发展转型的时代，但与此同时，商业银行也面临着当前经济下行时期所爆发的大量不良债权的压力，在面对如此挑战，商业银行的该如何更高效地处置经济下行期的不良金融债权呢。在过去十多年，关于解决商业银行不良债权的相关研究层出不穷。但无外乎是消化、转让等传统方式。但在现阶段，随着经济下行压力不断加重，并且我国进入经济结构的调整时期，我国商业银行爆发式的不良债权已经成为各家银行所面临的严重问题，有的甚至已影响到商业银行自身的利润率，因此，研究商业银行不良金融债权的处置问题变得十分具有现实意义。本文在研究众多文献的基础上，首先从商业银行的角度出发，对商业银行在经济下行时期不良金融债权所呈现的特点进行分析；其次以G银行为例，研究评价其现有的不良债权处置的手段及其存在的问题，提出从宏观、微观等方面进行债权控制优化的方案；最后通过借鉴国内外优秀案例，提出启用其它化解不良债权的方案，并提出可操作化建议。本文旨在通过对G银行经济下行期不良债权风险控制的研究，加强优化商业银行风险控制的手段和方法，不仅为解决当前G银行不良债权的问题提供思路，更是对商业银行整体不良债权控制研究的一项积极推进。本文通过对G银行在经济下行时期的不良债权形成过程及处理方式的研究，来反映我国当前商业银行不良债权所面临的普遍现象。
英文摘要：	In recent years, with the continuous acceleration of China's economic development and the rising economic aggregate, China has become the second largest economy in the world. After the rapid economic development, China's economy has entered a downward economic cycle in 2017. The slowdown of economic development has also led to the exposure of some areas of risk. After the extensive development of the past, China has begun to reform the supply-side reform and the economic restructuring of production capacity. Commercial bank as financial market in China is the most important financial intermediaries, also entered a fine development transformation era, but at the same time, commercial Banks are taking the current economic downturn exposed by the pressure of bad creditor's right. Over the past decade, there have been numerous studies on the settlement of non-performing loans in commercial Banks. But it is the traditional way of digestion and transfer. But at present, as the economy downward pressure rising, after entering economic adjustment, our country commercial bank bad creditor's rights and the explosive growth, some margins has affected the commercial bank itself. In the face of such a big challenge, how should commercial Banks dispose of a lot of bad debts in the economy? Based on the study of numerous literatures, this paper firstly analyzes the characteristics of commercial Banks' bad financial claims during the downturn. Secondly, taking G bank as an example, the paper evaluates the existing problems of the disposal of bad debts and puts forward the plan of optimizing the credit control from the macro and micro aspects. Finally, by referring to the excellent cases at home and abroad, the author puts forward some solutions to solve the bad debts, and puts forward some feasible Suggestions. This paper aims to G bank economic glad distressed debt risk control research, strengthen the optimization of commercial bank risk control means and methods, the G bank, in order to solve the current problem of bad creditor's right not only to provide ideas, but also to the whole commercial bank bad creditor's rights and a positive propulsion control research. This paper, through the study of the formation process and the way of dealing with the bad debts of G bank in the economic downturn, reflects the common phenomenon of bad creditor's rights in China's current commercial Banks.
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