当前国有商业银行债转股研究

发布时间：2018-05-03 22:31

本文选题：国有商业银行 + 不良贷款　；参考：《河北经贸大学》2017年硕士论文

【摘要】：近年来,中国经济的发展正面临诸多挑战,商业银行特别是国有商业银行的不良贷款问题首当其冲。统计数据表示,近几年国有商业银行的不良贷款额和不良贷款率不断上升,与此同时,企业的高杠杆率问题也逐步凸显。在我国当前经济发展“三期叠加”的关键时期,不良贷款和企业杠杆率过高的问题引起了全社会的普遍关注。在如今的经济形势下,如果经济发展的速度减缓,与此同时企业高杠杆率也发生,金融市场系统性风险就会爆发。企业高负债、银行巨额不良贷款正在威胁国家金融安全,也有损国民经济。去年两会接受中外记者采访时,国务院总理李克强表示,市场化债转股可以逐步降低企业的杠杆率。在2017年两会上,大家仍旧关注债转股。国务院总理李克强在报告中肯定了去年实施债转股的成绩。工业企业负债率有所下降。今年继续支持市场化法治化债转股,积极稳妥去杠杆,减少不良贷款。然而在债转股实施过程中,仍然存在一些风险。这些风险的存在会阻碍其有效实施。因此需要正确的政策措施来辅助其有效推进。本专题研究在阐述我国国有商业银行不良贷款结构、规模、行业分布现状以及各方面成因的基础上,浅析本轮债转股的具体措施、特点及优势等等,针对债转股存在的各类风险提出政策建议以辅助其顺利推进。政策实施妥当将会对国民经济保持持续、稳健的发展有着重大意义。长远来看,债转股运作得当可以为日后银行业发展提供经验借鉴。道阻且艰,行则将至。本专题研究一共分为六个部分。第一部分为导论,主要阐述论文研究课题、研究对象,开门见山阐明研究的相关背景、现实意义、主要内容和创新点等,并附带分析本课题国内外研究之发展现状。第二部分为理论研究,包括对不良贷款的定义、分类、形成理论以及债转股的一系列相关理论进行分析。第三部分重点研究我国实施债转股的背景,包括不良贷款的具体情况、各方面成因等,并阐述将其处置对各方的意义,对处置的必要性进行深入研究。第四部分论述本轮债转股推行情况,分析本轮债转股实施的具体措施、特点与优势。第五部分对债转股实施过程中暴露的风险问题进行分析,针对这些问题,提出具有预见性、全局性、可操作性强的政策建议,以推进债转股有序进行。第六部分为结论。
[Abstract]:In recent years, China's economic development is facing many challenges, commercial banks, especially state-owned commercial banks, the problem of non-performing loans bear the brunt. Statistics show that the amount of non-performing loans and the ratio of non-performing loans of state-owned commercial banks have been rising in recent years, while the problem of high leverage ratio of enterprises has become increasingly prominent. In the critical period of the "three phases superposition" of China's current economic development, the problem of non-performing loans and excessive leverage of enterprises has aroused the general concern of the whole society. In today's economy, if the economy slows down and companies become highly leveraged, systemic risks in financial markets erupt. Enterprises with high debts and banks with huge non-performing loans are threatening the country's financial security and harming the national economy. In an interview with Chinese and foreign reporters last year, Premier Li Keqiang said market-oriented debt-equity swaps could gradually reduce corporate leverage. In 2017, at the two sessions, people are still concerned about debt to equity conversion. Premier Li Keqiang of the State Council confirmed in the report the implementation of last year's debt-to-equity achievements. The debt ratio of industrial enterprises has decreased. This year we will continue to support market-based legal conversion of debt into equity, actively and steadily deleveraging, and reduce non-performing loans. However, there are still some risks in the process of debt-to-equity conversion. The existence of these risks will hinder their effective implementation. Therefore, correct policies and measures are needed to support its effective promotion. On the basis of expounding the structure, scale, industry distribution and causes of non-performing loans of state-owned commercial banks in China, this paper analyzes the specific measures, characteristics and advantages of this round of debt-to-equity swap. In order to support the smooth progress of debt-equity swap, the author puts forward some policy suggestions on various risks. The proper implementation of the policy will be of great significance to the sustained and steady development of the national economy. In the long run, the proper operation of debt-to-equity can provide experience for the future development of the banking industry. The road is difficult, but the road is coming. This research is divided into six parts. The first part is the introduction, mainly expounds the research topic, the research object, the related background, the realistic significance, the main content and the innovation point of the research, and analyzes the present situation of the research at home and abroad. The second part is the theoretical research, including the definition of non-performing loans, classification, formation theory and a series of related theories of debt to equity. The third part focuses on the background of the implementation of debt-to-equity swap in China, including the specific situation of non-performing loans, the causes of various aspects, and expounds the significance of its disposal to all parties, and the necessity of disposal in-depth study. The fourth part discusses the implementation of this round of debt to equity, analyzes the specific measures, characteristics and advantages. The fifth part analyzes the risks exposed in the process of debt-to-equity conversion, and puts forward some policy recommendations with foresight, overall and maneuverability in order to promote the orderly implementation of debt-to-equity swap. The sixth part is the conclusion.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

【相似文献】