新常态下商业银行新型不良资产处置方式研究

New Disposal Method of Non-Performing Assets in Commercial Banks under the New Normal Conditions

国际政治经济形势复杂多变,国内经济增速放缓,实体经济经营陷入一定困境,商业银行面临资产质量恶化的压力。随着商业银行不良资产管理压力的不断加大,不良资产处置方式作为风险管理组成部分的重要性也愈加凸显。本文对不良资产和不良率现状进行了初步分析,进而提出了商业银行不良资产处置方式变革的必要性,在前述基础上,提出了商业银行不良资产处置新发展的路径和模式,以期对商业银行不良资产处置有所补益。

The international political and economic situation is complex and changeable,the domestic economic growth slows down,the real economy operation falls into a certain predicament,and commercial banks are facing the pressure of deteriorating asset quality.With the increasing pressure of non-performing assets management in commercial banks,the importance of non-performing assets disposal as an integral part of risk management has become increasingly prominent.This paper makes a preliminary analysis of the current situation of non-performing assets and non-performing rate,and then puts forward the necessity of changing the disposal methods of non-performing assets of commercial banks.On the basis of the above,it puts forward the new development path and mode of non-performing assets disposal of commercial banks,in order to benefit the disposal of non-performing assets of commercial bank.