新疆法人银行不良贷款处置问题分析和对策研究

Analysis of the Disposal of Non-performing Loans in Xinjiang's Corporate Banks

在与国际金融业接轨的过程中,我国商业银行的不良贷款问题日益突出,极大地威胁着国家经济的稳定和良性发展。因此,如何有效处置不良贷款、化解金融风险,已成为新时期政府、银行和金融监管部门共同面临的一个重大问题。近年来,受经济下行影响,新疆法人银行业机构不良贷款呈现反弹态势,大量的不良贷款沉积且还在继续增长,虽然先后采取了一些措施处置不良贷款,但由于不良贷款处置时存在处置手段单一、抵债资产变现难、法律体系不完善、内控机制缺失、估值定价手段缺乏等问题,收效甚微,对各机构稳健经营产生较大影响。本文对新疆不良贷款处置存在问题进行了深入分析,在此基础上从完善不良贷款处置立法、处置方式、政策扶持、评估体系、管理制度等五个方面提出了政策建议。

In the process of connecting with the international financial industry,the problem of non-performing loans of commercial banks in our country is becoming more and more serious,which greatly threatens the stability and benign development of the national economy.Therefore,how to effectively deal with non-performing loans,to resolve financial risks,has become the new era of government,banking and financial regulatory departments together to face a major problem.In recent years,due to the economic downturn,the bad loans of the corporate banking institutions in Xinjiang have rebounded,and a large number of non-performing loans have been deposited and continue to grow.Although some measures have been taken to dispose of non-performing loans,due to non-performing loans disposition,,The difficulty of realizing the repossessed assets,the imperfection of the legal system,the lack of internal control mechanism,the lack of valuation methods and so on,with little effect on the healthy operation of the institutions have a greater impact.Based on this,the paper puts forward some policy suggestions from five aspects,such as perfecting the legislation,disposing method,policy support,evaluation system and management system of non-performing loan.