银行不良贷款的研究(硕士)

银行不良贷款的研究(硕士)(论文36000字)
内容摘要
随着我国市场化进程的不断推进和产业结构的不断调整，经济下行压力不断加大，资产质量不断下降，资金风险加剧，我国银行业面临不良贷款余额和不良贷款率双升的压力。在各类商业银行中，农村商业银行的不良贷款率始终位居最高，且不良贷款余额持续大幅增长，鉴于农村商业银行在我国农村金融体系中的特殊地位和重要作用，对我国农村商业银行不良贷款产生的原因以及处置策略的探索具有重要意义，如何处置不良贷款己成为当前农村商业银行必须面对和重视的问题，降低不良贷款己成为防范和化解农村商业银行风险，提高农村商业银行经营效益的重点，更是当前深化农村商业银行改革与发展的关键和重点工作，对于促进我国金融体系改革和经济持续健康发展发挥着十分重要的作用。
本文首先分析了我国农村商业银行不良贷款现状，并分别从银行内部因素和外部因素两个角度出发阐述了不良贷款产生的原因。然后以BH银行为例，分析了BH银行不良贷款现状，不良贷款处置措施，并对目前在不良贷款处置中所面临的主要问题进行描。随后通过对美国、日本、韩国及欧洲等国家在不良贷款处置方面采取的措施、方法与经验进行分析比较，结合我国国情、经济环境及我国农村商业银行的实际情况，从外部社会环境建设、银行完善自身内部制度体系及丰富不良贷款处置方式三个方面，对降低我国农村商业银行不良贷款，提高对不良贷款的处置效率及效果提出对策建议。
关键词：农村商业银行；不良贷款；处置方式

Abstract
With the marketization progress of our country and continuous adjustment of industrial structure, the downward pressure on the economy, the continuous decline of asset quality, the worsening of the capital risk and the pressure on the non-performing loan balance and non-performing loan ratio of our country's banks face the pressure. Among all kinds of commercial banks, rural commercial banks always have the highest non-performing loan ratio and the non-performing loan balances have continued to grow substantially. In view of the special status and important role of rural commercial banks in China's rural financial system, China's rural commercial banks The causes of loans and the exploration of disposal strategies are of great significance. How to deal with non-performing loans has become the problem that rural commercial banks must face and pay attention to now. Reducing the non-performing loans has become the key to preventing and resolving the risks of rural commercial banks and improving the operating efficiency of rural commercial banks It is also the key and key task for deepening the reform and development of rural commercial banks. It plays a very important role in promoting the reform of our financial system and the sustained and healthy economic development.
This paper first analyzes the status quo of non-performing loans of rural commercial banks in our country and expounds the causes of non-performing loans from two aspects of internal and external factors. Then, taking BH Bank as an example, this paper analyzes the current situation of non-performing loans of BH Bank and measures of disposal of non-performing loans. It also describes the main problems currently facing the disposal of non-performing loans. Then through the analysis and comparison of the measures, methods and experiences of the United States, Japan, South Korea and Europe in the disposal of non-performing loans, combined with China's national conditions, economic environment and the actual situation of China's rural commercial banks, from the external social environment construction, Improve its own internal system and enrich the ways of disposing of non-performing loans, put forward countermeasures and suggestions to reduce the non-performing loans of rural commercial banks and improve the efficiency and effectiveness of the disposal of non-performing loans.
Key words: Rural commercial bank; Non-performing loans; Disposal method

目录
第1章导论    6
1.1研究背景及意义    6
1.1.1 研究背景    6
1.1.2 研究意义    6
1.2 国内外研究现状    7
1.2.1 国外研究现状    7
1.2.2 国内研究现状    8
1.3 研究内容和研究方法    10
1.3.1 研究的主要内容    10
1.3.2 研究方法    10
1.4 研究的创新点和不足    11
1.4.1 主要创新点    11
1.4.2 不足之处    11
第2章  概念界定与理论基础    12
2.1 不良贷款的概念    12
2.2 相关理论基础    14
2.2.1信用论    14
2.2.2银行脆弱性理论    14
2.2.3信贷风险管理理论    15
第3章  我国农村商业银行不良贷款现状及原因分析    16
3.1 我国农村商业银行不良贷款现状    16
3.1.1 我国商业银行不良贷款现状    16
3.1.2我国农村商业银行不良贷款现状    18
3.2 我国农村商业银行不良贷款产生原因分析    19
3.2.1银行外部因素    20
3.2.2银行内部因素    21
第4章BH银行不良贷款现状及处置分析    23
4.1BH银行不良贷款现状    23
4.1.1 BH银行整体情况    23
4.1.2BH银行不良贷款现状    24
4.1.3BH银行不良贷款现状    26
4.2BH银行不良贷款处置分析    28
4.2.1 BH银行不良贷款管理情况    28
4.2.2 BH银行不良贷款处置方式    30
4.2.3 BH银行不良贷款处置面临的问题    32
第5章国外商业银行不良贷款处置的主要方式及经验    34
5.1美国的不良贷款化解模式及经验    35
5.1.1政府措施及效果    35
5.1.2商业银行措施及成效    36
5.2日本不良贷款处置方式及经验    36
5.2.1政府措施及成效    37
5.2.2金融机构措施    37
5.3 韩国的不良资产处置方式及经验    38
5.3.1政府措施及成效    38
5.3.2金融机构措施    39
5.4欧洲主要国家不良贷款处置模式及经验    40
5.4.1英国不良贷款处置模式    40
5.4.2德国不良贷款处置模式    41
5.5各国不良贷款处置模式比较    42
第6章我国农村商业银行不良贷款处置的对策建议    44
6.1打造良好的外部环境    44
6.2加强农村商业银行自身内部建设    45
6.3丰富不良贷款的处置方式    46
6.3.1不良资产证券化    46
6.3.2借助互联网平台    47
6.3.3债转股模式    48
6.3.4农村商业银行成立子公司    48