摘要
本文分析了国内商业银行不良资产处置面临的内外部环境变化;当前商业银行不良资产处置中存在的法律体系不够完备,相关管理办法不合理;社会信用环境依然欠佳,企业资本关联日趋复杂;不良资产处置理念、处置机制、处置手段与国际先进金融机构存在较大差距;不良资产估值定价手段欠科学,缺乏历史数据积累和模型建设;不良资产处置人员业务素质与日益复杂的处置要求不相适应等方面的问题。借鉴国内外金融机构不良资产处置的多种方式方法,针对性地提出加快商业银行不良资产处置的对策及建议,以此提升不良资产处置的效率和效益。
This article analyses the changing of the internal and external environment faced by the domestic commercial banks vchile they are disposing NPLs. With a pointed introduction of the problems existing in the domestic commercial banks disposal of NPLs, such as incomplete relevant legal system and unreasonable management, poor soeiai credit circumstance and increasingly complicated capita/links between enterprises, existing bigger gaps between the domestic and the abroad in aspects of NPL disposing idea, mechanism and measurement, insufficiently scientific method of NPL eva/uation, professiona/ qualities of NPL disposers not meeting the needs of increasingly complicated requirement, etc. the article brings forward some relevant suggestions, with the methods of the NPL disposing both the domestic and the abroad organizations using, to enhance the NPL disposing efficiency and benefits.
出处
《浙江金融》
北大核心
2011年第4期46-49,共4页
Zhejiang Finance
作者简介
张萍（1958-），女，现任农行浙江省分行贷款审查委员会专职审议人和资产处置委员会专家委员。
