Within The Non-performing Assets Of State-owned Commercial Banks And The Centralized Management System

Our country's state-run commercial bank production of non-performing assets planned economy period and economic transition accumulation release of risk period cause mainly, in addition, a lot of enterprises go bankrupt , go bankrupt , annex , recombinate in recent years, especially the state-run range of loss of large and medium-sized enterprise is strengthened , cause the non-performing assets of the state-run commercial bank to soar in succession. At present, the loan balance of four major state-run commercial banks of our country still accounts for the market share of more than 70% of market of domestic bank, but huge non-performing assets rate , manage benefit influencing it seriously. Up to will it be the end 2004, four major state-run commercial bank and 12 main shareholding system bank five categorised non-performing assets remaining sum of requirements up to 1. About 71,000 billion yuan, the average proportion accounts for 13.2%. According to the commitments made while joining WTO of our country, our country will totally unlock RMB business of the foreign capitals bank in 2005, will unlock the finance accurate entering and market competition in 2006. Under the open economy condition, in the face of keen competition, accelerate the non-performing assets to handle, improve the quality of the assets and show particularly urgently in an all-round way. This text further studies the improvement in management style their and raise necessity of management level start with from state-run commercial bank reason that non-performing assets form, through analysis of the traditional management mode drawback under the new situation , combine the actual conditions of management of non-performing assets of state-run commercial bank, have put forward it to the new mode of carrying on centralized management of...