银行不良贷款的成因与对策分析以中国银行徐州分行为例毕业论文

摘要

金融是现代经济的核心，商业银行是金融业的主体。随着我国金融业的对外开放，国有商业银行不良资产问题已成为束缚我国金融体制与经济健康发展的桎梏。不良贷款的危害性是毋庸置疑的，这一问题已成为中国银行体系中的主要隐患，基于国有商业银行在中国金融业的重要地位，国有银行的不良贷款问题引起了金融界的高度重视。

中国银行分行是省总行的二级分行，其不良贷款整体状况良好，每年均可达到人行的最低要求底线。在逐步建立的一套比较完善的不良贷款防体系下，不良贷款的数量有明显减少，使得分行的抗风险能力有所提高。但是在实际操作中，贷款投放的手段和方法上仍然存在不少问题，以及对于有些即将成为不良贷款的项目还不能够有效地及时遏止。不论是国外，对不良贷款问题都有过不同层次的研究，其研究成果也是有目共睹的，但是针对我所实习的分行，我认为就不良贷款问题，分行还是有需要做出进一步研究。这不仅具有重要的理论意义，而且具有突出的实践参考价值，可以使分行在不良贷款问题上能够做出更有针对性的判断。

因此，本文就针对分行的不良贷款问题进行了深入研究，通过调研收集的大量数据资料，总结了中国银行分行不良资产的特殊成因，并与已采取的对策作对比，从而整理出对分行不良贷款问题的对策研究成果，同时提出针对分行实际情况的具体建议。希望能够通过我所学的知识结合实际数据理论，对分行不良贷款管理能够有效地改善。

关键词：分行；不良贷款；风险管理；成因；对策

ABSTRACT

Finance is the core of modern economy, commercial bank is the main body of the financial industry. With the opening of China's financial industry, the state-owned commercial Banks non-performing assets has become bound our financial system and economic health development block.The dangers of bad loans is beyond doubt, this issue has become a major hidden dangers of the Chinese banking system, based on the state-owned commercial Banks in China's financial industry important position, the state-owned Banks' non-performing loans problem to cause the attention of the financial community.

The bank of China branches in jiangsu province of xuzhou is spilling primary branch, its bad loans overall good condition, every year may achieve a minimum requirement of the bottom line. In a set of gradually establish a more perfect bad loans under guard system, the number of bad loans have significantly reduced, make xuzhou branch of anti-risk ability has improved. But in practice, the loan on the means and methods of still has many problems, and will become the bad loans for the project is not able to effectively combat in time. Both at home and abroad, the problem of bad loans have different levels of research, the research results are obvious, but for I practise xuzhou branch, I think it's bad loan problems, xuzhou branch or need further analysis. This not only has important theoretical significance, but also has outstanding practical reference value, can make the branch in bad loans on the problem can be made more targeted judgment.

Therefore, this article is to xuzhou branch of bad loans were thoroughly study, through the investigation and collect a large number of data in material, summarized the bad assets of xuzhou branch bank of China special causes, and has taken countermeasures and contrast, thus sort out to xuzhou branch bad loans and solutions to the problems of the research results, and puts forward to xuzhou branch the actual situation of the specific Suggestions. Hope I can make my knowledge