村镇银行不良债权处置研究

Capitalization of Bad Credits of Rural Banks

村镇银行在支援乡村建设的过程中出现了不良债权过多的问题,同时作为乡村建设的主要力量,农村合作社出现资金短缺、管理经营模式落后以及劳动力缺乏等问题,笔者认为对于以上两个矛盾可以通过不良债权资本化的方式得以解决。村镇银行可以通过成立资产管理公司,由资产管理公司与农村合作社、债务人进行协商,由农村合作社与债务人成为连带债务人用其经营利润分期偿还债务,同时社员债务人向农村合作社提供劳动以弥补农村合作社所代偿损失。采用此方式一方面可以化解村镇银行的不良债权,同时可以极大地促进农村地区的经济发展。

In the process of supporting rural construction, rural banks have had problems of excessive creditor’s rights. At the same time, as a major force in rural construction, rural cooperatives have problems such as shortage of funds, backward management and operation mode, and lack of labor. The paper believes that the above two contradictions can be passed. The way capitalization of bad debts is resolved. The village and town banks can establish an asset management company, and the asset management company negotiates with the rural cooperatives and debtors. The rural cooperatives and debtors become joint debtors to use their operating profits to repay their debts. At the same time, the debtors provide labor to rural cooperatives to make up for rural cooperatives’ compensation loss. On the one hand, this method can resolve the bad creditor’s rights of rural banks, and at the same time, it can greatly promote the economic development of rural areas.