论文标题:我国商业银行不良资产证券化研究
Research on Commercial Banks" Non-Performing Asset Securitization in China
论文作者
论文导师 李正友,论文学位 硕士,论文专业 金融学
论文单位 哈尔滨工程大学,点击次数 1160,论文页数 72页File Size3533K
2007-04-01论文网 http://www.lw23.com/lunwen_454867/
Non-performing assets;; Securitization;; Commercial bank
目前中国银行系统存在的大量不良资产，对中国的金融安全构成了严重的威胁，制约了中国经济的发展。能否有效地解决这一难题，是关系到中国金融体制改革和经济发展的重要因素。资产证券化这一金融创新工具，在国外有着多年的成功经验，其在转移风险、提高流动性和信用创造上都有着显著的优势。利用证券化手段化解不良资产，对我国金融业平稳发展具有重要意义，它可以分散和降低我国商业银行风险，改善商业银行的资本结构，提高商业银行资产的流动性，提升金融体系效率。 本文就银行不良资产证券化在我国开展的一系列相关问题进行研究。第一章序论，介绍了本文的写作背景、目的、意义以及国内外研究现状等。第二章在对不良资产证券化的相关理论进行了综述。第三章总结了不良资产证券化在美国、韩国、日本实践的情况，并提出了一些我国可以借鉴的方式和方法。第四章剖析了我国首例商业银行不良资产证券化的实例。第五章分析了我国实施不良资产证券化的意义、可行性以及优势和障碍。第六章对我国实施不良资产证券化提出一些对策和建议。
The large amount of non-performing assets in China"s commercial banks has become one of the largest obstacles to China"s financial system reform. These vast non-performing assets have threatened the development of China"s economy as well as the security of its financial system. Whether being able to resolve the difficult problem effectively is the key factor being related to China"s reform of the financial system and economic development. AS a financial innovative tool, non-performing asset securitization (NPAS) has a lot of useful experience in abroad for years. It has notable advantages in shifting risk, improving flowability and creating credit. NPAS plays a significant role in ensuring the stable development of our finance industry. It can decentralize and reduce the risk of our commercial banks, improve the capital structure, increase capital adequacy and advance the efficiency of our banking system. The aim of this paper is researching on the relevant problems concerning NPAS in China. Chapter One will briefly introduce the background, purpose, significance and the situations both in China and abroad. Chapter Two will discuss the definition of NPAS and analyze the related theories of asset securitization. Chapter Three will analyze the implementation examples of non-performing asset securitization in the countries of the United States, South Korea and Japan. Based on the analysis, I will sum up the common characters and differences among these cases and put forward the feasible methods that can be applied in China. Chapter Five will discuss the significance of carrying out the non-performing asset securitization in China and points out the obstacles in developing the non-performing asset securitization. Chapter Six will list some suggestions and ideas on the innovation of the non-performing asset securitization in our country.
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