论商业银行不良资产管理模式的选择

On Selection of Bad Assets Management Patterns of Commercial Banks

商业银行采取何种组织模式管理不良资产是银行管理体制改革需要探索和讨论的新课题。银行管理实践中适用的有三种组织模式:好银行、坏银行模式,专门部门管理模式和混业管理模式。为了选择运用的组织模式,可以以边际成本为依据,从不良资产规模、管理责任边界界定难度和强度、银行的能力、外部的政策等环境约束四个方面进行分析确定。

Which organizational patterns to manage bad assets commercial banks should adopt in banking management regime reform is a new topic needed probing and discussing.The adaptability of three organizational patterns are analyzed according to marginal cost from four aspects: bad assets size,the difficulty and intensity of defining management responsibility boundary,banks capacity and external policy background constraints.