国有商业银行不良资产评估问题

Research on the Evaluation of Bad Assets of State-owned Commercial Banks

影响我国银行不良资产价值的因素一是体制惯例 ,二是变现环境。对银行不良资产的价值评估具有以企业价值为主的特征。在目前的评估中应尽快制定出具有可操作性的银行不良评估资产实施细则 。

There are two factors that affect the value of bad assets of the commercial banks in China: one is system inertia, the other is cash circumstance. The evaluation of bad assets of the commercial banks has a character of based on the value of enterprise. At present, we should formulate practical operation regulations of evaluation on bad assets of the commercial banks as earlier as possible on the process of this work. The institutes of assets evaluation should bear the legal responsibility for the evaluation reports.