The Countermeasure Research On How To Deal With The Bank Bad Assets In Our Country

Finance is the core of mordern economy ,while bank is the center of finance.At present, the hign percentage of bad assets in our commercial bank has posed an obstacle to the commercialization and internationalization for our banking industry,and it has become a potential danger threatening finance safety,economy safety and harming the normal operation of national economy.Bad assets worsens the bank's operation,makes bank suffer from heavy loss,capital decline by the year and weakens their strength,furthermore,it restricts the commercial bank's reform.Under the potential crisis to the existence and development of the state-owned commercial banks,which makes the disposing of the bad assets become the top urgent things for commercial banks to deal with.Because of the special situation in our country,the formation of bad assets in our country has its own speciality.This article sets forth the four stages of the formation analysis on it.It makes a conclusion on our banking industry's methods of dealing with bad assets and points out such reality as short of funds,non-perfect legal system,lack of specialized and commercialized means of disposing method,ect.During the disposing process,Meanwhile it sums up the experiences of other countries in this field.consindering our country's condition,the author puts forward ways of disposing bad assets,which hopefully will be of some help to the disposing of our banking industry's bad assets.This article is made up of four important parts:Part one: The content and important meaning about dealing with the bad assets in our countryPart two:The factly analisis about dealing with the bad assets in our countryPart three:The methods of dealing with bad assets in abord bank and apocalypse to our bankPart four: The countermeature on how to deal with the bad assets in our country...