Research On Non-Performing Assets Disposal And Customer Rescue Of State

State-owned commercial banks are cores of Chinese economy and finance,and the society pays much attention to the non-performing assets of them,so the disposal of non-performing assets naturally becomes the focus of concern of the society.The formation of non-performing assets of state-owned banks has very complex social and historical causes.By more than a decade of policy disposal,the problem has almost been satisfactorily resolved.At present,the commercialized means of disposal of non-performing assets becoming the mainstream,opportunities and pressures exist at the same time.And the financial crisis adds the indeterminacy and the difficulty of disposal.The mechanisms for non-performing assets disposal and the customer rescue of state-owned banks under financial crisis will be detailed in this paper.It is firstly introduced that the current status and causes of non-performing assets of the state-owned banks,and the impact of the global financial crisis on Chinese economy,Chinese banking industry and the non-performing assets of state-owned banks.Secondly,the progress and primary means of non-performing assets disposal of state-owned banks as well as the referential disposal method of foreign banks are introduced,on which base together with the case of China Construction Bank,readers will get a more profound cognition about the situation of the non-performing assets disposal of state-owned banks.And then the customer rescue is emphasized because the state-owned banks have the responsibility to help the enterprises out of their temporary conjunctures when the financial crisis works on the real economy seriously and complexly.Finally,a few constructive suggestions on the disposal of non-performing assets particularly in regard to customer rescue are put forward.At the same time,some proposals about precautionary measures for non-performing assets are also brought out,because the quality of bank assets will be secured by nothing but effective precaution in advance and proper disposal afterwards.In general,this paper argues that the disposal of non-performing assets of state-owned banks is rather effective at present,but the government should show greater foresight concerning the laws and regulations when the disposal is put into the market. The legislation should go ahead of others,and a good environment which is standardized-operative,pragmatic,efficient,creditor-protected and customer-rescued should be brought about,and the state-owned banks could seek for the disposal method which is adapted to the market much more and can bring higher recovery value,so as to achieve a win-win situation among banks,customers and the whole society.