论我国银行的不良资产及其处置

A Note on the Bad Debt at China′s Banks and Its Disposition

众所周知，我国银行业普遍存在着大量的不良资产（简称“坏帐”）。关于我国银行内坏帐的具体程度，各界众说纷纭，有不同的判断。根据国家公布的数字，我国的四家国有专业银行大约有近二万亿元坏债，占其贷款总额的２５％，其中大约有６％到７％是无法收回的。即使这样的...

Abstract Mounting non performing loans(NPL) have plagued China′s banks and threaten the health of China′s financial system. In an attempt to deal with the problem,the Chinese government is setting up asset management companies to acquire NPLs from the big state owned banks,the recently established China Cinda Asset Management Company is an example. After an assessment of the current NPL situation,this article addresses some issues related to the NPL transfer as well as the appropriate role,objective and functions of the asset management compantes. This article then describes a few interesting techniques used by the Resolution Trust Corporation of the United States in asset management and disposition and discusses their usefulness in China.