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关于不良资产债转股处置方式是近段时间以来监管、业界及学界讨论的焦点。本文分析了银行债转股的风险与收益,探讨了债转股对银行不良贷款率、拨备覆盖率和资本充足率的影响,并结合分析结果给出了在监管放开不良资产债转股情景下商业银行的主要对策,以期为债转股政策落实后相关政策制定和银行决策提供借鉴和支持。
About non-performing assets debt disposal method is the recent regulatory, industry and academic discussion. This article analyzes the risks and benefits of bank debt to equity swap and explores the impact of debt-to-equity swap on the bank’s non-performing loan ratio, provision coverage ratio and capital adequacy ratio. Based on the analysis results, Under the scenario of commercial banks, with a view to provide reference and support for relevant policies and bank decisions after the implementation of the debt-for-equity conversion policy.