论文部分内容阅读
我国经济发展引发问题,经济结构需要调整;商业银行不良资产率持续走高受到宏观经济增速下降影响。有数据表明,已有商业银行不良资产率接近警戒线。处置商业银行不良资产,降低信用风险是重点。在传统的做法手段上,我国商业银行采取坏账冲销、债券重组、剥离等,依托政府“供氧”化解不良资产;随着市场经济体制的形成,我们应该寻求新的办法。在2016年两会期间中国人民银行召开的记者会上,周小川行长提出了商业银行不良资产证券化问题。由此,利用债转股处理我国商业银行不良资产势在必行。
The economic development in our country has caused problems and the economic structure needs to be adjusted. The non-performing asset ratio of commercial banks continues to rise, which is affected by the decline in macro-economic growth. Data show that there have been close to the warning line of non-performing assets in commercial banks. Disposal of non-performing assets of commercial banks to reduce credit risk is the key. In the traditional approach, commercial banks in China adopt bad debt cancellation, bond restructuring and divestiture, and rely on the government to “provide oxygen” to resolve nonperforming assets. With the formation of a market economy system, we should seek new ways. At a press conference held by the People’s Bank of China during the two sessions in 2016, Governor Zhou Xiaochuan raised the issue of the non-performing assets securitization of commercial banks. Therefore, the use of debt-to-equity treatment of non-performing assets of China’s commercial banks is imperative.