畢業(yè)論文我國商業(yè)銀行資產(chǎn)重組問題分析

1、目錄摘要............................................................................................................................................IAbstract...................................................................

2、...................................................................II提綱............................................................................................................................................1第一章我國商業(yè)銀

3、行不良資產(chǎn)產(chǎn)生背景和現(xiàn)狀..................................................................21.1商業(yè)銀行不良資產(chǎn)的概念..........................................................................................21.2我國商業(yè)銀行不良資產(chǎn)歷史背景...................

4、..........................................................21.3我國商業(yè)銀行不良資產(chǎn)現(xiàn)狀......................................................................................3第二章我國商業(yè)銀行不良資產(chǎn)成因分析..........................................

5、....................................42.1從體制方面看..............................................................................................................42.2從政府方面看......................................................

6、........................................................42.3從企業(yè)方面看.............................................................................................................52.4從銀行方面看...................................

7、..........................................................................52.5從法律法規(guī)方面看.....................................................................................................62.6從社會信用觀念看.....................

8、................................................................................6第三章我國商業(yè)銀行不良資產(chǎn)的特點..................................................................................73.1不良資產(chǎn)數(shù)額巨大不良貸款比重相對較高...................

9、.........................................73.2我國銀行不良資產(chǎn)產(chǎn)生的原因復(fù)雜..........................................................................73.3利益關(guān)系特殊............................................................................

10、..................................73.4不良資產(chǎn)類型特殊性..................................................................................................8第四章商業(yè)銀行不良資產(chǎn)重組的難點..........................................................

11、........................84.1場不完善制約了銀行不良資產(chǎn)重組的規(guī)模和空間..................................................84.2專業(yè)人才匾乏，手段落后，影響了不良資產(chǎn)重組的成效......................................84.3法律法規(guī)不健全妨礙了銀行不良資產(chǎn)重組的順利進行............................

12、..............94.4政策措施不配套使銀行不良資產(chǎn)重組工作困難重重..............................................94.5政府的不適當(dāng)干預(yù)，使銀行不良資產(chǎn)重組的行為容易偏離市場最大化原則....10第五章我國商業(yè)銀行不良資產(chǎn)重組的策略........................................................................11

13、5.1核實真相，揭示風(fēng)險。...........................................................................................11I摘要貸款是商業(yè)銀行的基本業(yè)務(wù)之一所有商業(yè)銀行都要不斷地大量發(fā)生貸款業(yè)務(wù)這就難免發(fā)生一定數(shù)量的不能按期收回或收不回的貸款。我國商業(yè)銀行的問題是不良資產(chǎn)過多如不盡快加以解決將帶來一系列嚴重后果。我國商業(yè)銀行體系內(nèi)存在著巨額不良資產(chǎn)