摘要
近年来,受经济下行影响,新疆法人银行机构不良贷款呈现反弹态势,大量的不良贷款沉积且持续增长,机构虽先后采取了一些处置措施,但由于处置手段单一、估值定价手段缺乏、抵债资产变现难、内控机制缺失、相关法律体系不完善等问题,处置措施收效甚微,对其稳健经营产生了较大影响。本文对新疆不良贷款处置过程中存在的问题进行了深入分析,在此基础上从完善不良贷款处置立法、处置方式、政策扶持、评估体系、管理制度五个方面提出政策建议。
In the process of being integrated with the international financial industry, the problems of non-performing loans of China＇ s commercial banks have increasingly been prominent, and have greatly threatened the stability and healthy development of macro economy. Therefore, how to effectively dispose non-performing loans and relieve financial risks has become a major challenge faced by the govemment, financial regulators and banks in the new period. In recent years, influenced by the economic downturn, non-performing loans of corporate banks in Xinjiang have rebounded in Xinjiang, and a large number of non-performing loans has been sedimentary and continues to increase. Although institutions have taken some disposal measures, due to problems such as the sin- gle disposal means, lack of valuation and measurement, difficulties in offsetting asset recovery, lack of the internal control mechanism and imperfect legal system and so on, the disposal measures have not been effective, which places a great influence on its stable opera- tion. The paper deeply analyzes existing problems in the process of disposing non-performing loans in Xinjiang, and puts forward policy suggestions from five aspects like perfecting the legislation of the disposal of non-performing loans, disposal methods, policy sup- port, evaluation system and management system.
出处
《西部金融》
2017年第2期88-90,共3页
West China Finance
关键词
银行
不良贷款
处置
bank
non-performing loan
disposal
countermeasure research
