商业银行不良资产处置模式研究---以云南省农村信用社为例.docxVIP

云南省农村信用社不良资产处置模式研究 摘要 我国传统的对不良资产的处置模式是：成立团队组织专项清收，健全“清收人员+专职清收客户经理+律师”的“铁三角”工作机制，主要以压缩不良资产余额为重点开展不良资产清收攻坚战，采取多种技巧，提升清收作业效率。近年来，我国农村信用社不良资产仍在可控范围内，但农村信用社信用风险压力依然存在。特别是农村信用社，仍处于不良资产重灾区，拥有庞大的不良处置需求。所以我国农村信用社不良资产处置模式的创新需求凸显。本文将立足于云南省信用社，对其不良资产处置模式进行研究和分析，采用案例分析法和对比分析法，找到云南省信用社不良资产处置模式中存在的问题，借鉴其他农村信用社处置不良资产的实践经验和研究成果，然后提出相应的优化措施。 关键词：云南省；农村信用社；不良资产；处置模式 Abstract The traditional disposal mode of non-performing assets in China is: set up a team to organize a special collection, and improve the clearing staff + full-time Customer Manager + lawyer Iron triangle work mechanism, mainly in the compression of non-performing assets to focus on the implementation of non-performing assets clean up the battle, take a variety of skills to improve the efficiency of clearing and receiving operations. In recent years, the non-performing assets of rural credit cooperatives in China are still controllable, but the credit risk of rural credit cooperatives still exists. In particular, rural credit cooperatives are still in the hard-hit areas of bad assets, with a huge demand for poor disposal. Therefore, the innovation demand of non-performing asset disposal mode of rural credit cooperatives in China is obvious. This article will be based on Yunnan Province credit cooperatives, this paper studies and analyzes the disposal mode of non-performing assets, uses case analysis method and comparative analysis method to find out the problems existing in the disposition mode of non-performing assets of Yunnan credit cooperatives, and draws on the practical experience and research results of other rural credit cooperatives in dealing with non-performing assets, and then puts forward corresponding optimization measures. Key words：Yunnan Province, rural credit cooperatives; bad assets; disposal mode 目录 TOC \o 1-3 \h \z \u 引言 1 1云南省农村信用社发展现状 2 1.1总体资产结构不合理 2 1.2不良信贷资产比重高 3 1.3不良资产比重大 3 1.4云南省农村信用社不良资产处置模式 4 2云南省农村信用社不良资产处置模式存在的问题 4 2.1外部问题 4 2.1.1客观经济环境的影响 4 2.1.2国有企业预算约束