论文部分内容阅读
资产质量状况是衡量一家银行经营管理水平高低和对外资信度的重要标志,同时也是决定这家银行生存与发展的核心问题。通过对东南亚金融危机和日、韩金融风波的深刻反思,世界银行界越来越认识到资产质量对银行本身具有决定性作用。去年以来,四家国有商业银行认真贯彻落实党中央、国务院的战略部署,各自组建了金融资产管理公司,选择了部分企业实施债转股及剥离不良资产,这对减轻国有企业债务负担、提高银行资产质量和参与国际竞争具有重要意义。商业银行剥离不良资产后如何防止新的不良贷款的产生,是摆在商业银行面前的头等大事,各行对此必须充分认识。
Asset quality status is a measure of a bank’s management level and an important symbol of foreign credibility, but also determine the bank’s survival and development of the core issues. Through deep reflection on the financial crisis in Southeast Asia and the turmoil in Japan and South Korea, the world banking community is increasingly realizing that the quality of assets has a decisive effect on the banks themselves. Since last year, the four state-owned commercial banks conscientiously implemented the strategic plan of the CPC Central Committee and the State Council, established their respective financial asset management companies, and selected some enterprises to implement debt-to-equity swap and divest non-performing assets. This is of great significance to alleviating the debt burden of state-owned enterprises and raising the banks’ Asset quality and participation in international competition is of great importance. How to prevent the emergence of new non-performing loans after commercial banks divest non-performing assets is the top priority for commercial banks. All sectors must fully understand this.