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State-owned commercial banks' bad debt problems of

Author: ZhangYing
Tutor: YinMengBo
School: Southwestern University of Finance and Economics
Course: Finance
Keywords: Bank nonperforming loans State-owned commercial banks Research Market economy Prevent and resolve Endogenous reasons Institutional reasons Property System Disposable income of residents Transition Period
CLC: F832.33
Type: Master's thesis
Year: 2000
Downloads: 169
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Abstract

The major worldwide financial events and financial disturbances since 1990s are all, to a certain extent, related to the huge unhealthy debts of the commercial banks. The pervasive existence of unhealthy debts has endangered the basis of such financial institutes as banks, and even the national economy. Therefore, the problem of unhealthy debts has attracted much attention from the governments, bankers, theoretical and practical workers, etc. Although due to some reasons including that the capital market has not been opened to the outside, China didn’t receive much shock from the South-East Financial Crisis, the problem of the state-owned commercial banks’ unhealthy debts has developed to such an extent that it is endangering the existence of the whole financial system and the basis of the national economy, and that it has become the obstacle of further reforms. So Chinese government, the banking industry and the financial theoretical field have regarded it as one of the necessary links of guarding against and dissolving financial risks to solve the problem of unhealthy debts of the banks, especially the state-owned commercial banks. This thesis is focused on the reasons that the unhealthy debts of the state-owned commercial banks came into being, and on that basis, it explores the ways and measures China has taken in guarding against and dissolving the unhealthy debts of the state-owned commercial banks, and the current problems. In the end, it presents some of our suggestions.This thesis consists of two parts: the first part includes four chapters, exploring the forming of the unhealthy debts of the state-owned commercial banks, analyzing some issues related to the unhealthy debts of the commercial banks. The reasons that the unhealthy debts came into being include the endogenous reasons under the market economy, systematical reasons during the system conversion, and the basic reasons <WP=7>caused by the incomplete proprietary system. The part is aimed to provide foundations for the second part to guard against and dissolve financial risks by analyzing the reasons of the forming of unhealthy debts. The second part includes two chapters, exploring the measures currently taken to guard against and dissolve the unhealthy debts of the state-owned commercial banks, mainly analyzing the operation of the asset management companies and the involved problems, and lastly presenting some suggestions. The contents of the six chapters are briefly explained as follows:The first chapter makes an introduction of some issues involved in the unhealthy debts of commercial banks. It first defines the concept of commercial banks’ unhealthy debts in the view of risks. This way of definition can not only meet the demand of bank s’ risk management, but also figure out the scale of unhealthy debts and reflect the quality of bank assets. It then classifies the unhealthy debts in different views. Unhealthy debts can be classified into three categories in the view of period: overdue loans, stagnant loans and bad-debt loans. Unhealthy debts can be classified into normal, noticeable, secondary, suspicious and lost in the view of risk. After analyzing the current situation of the unhealthy debts of the state-owned commercial banks with statistic data, the thesis analyzes the harms of the existence of huge unhealthy debts, and the analysis is made mainly through the inherent relationships between unhealthy debts and financial risks and financial crisis, between unhealthy debts and economical growth, between unhealthy debts and system innovations, so that it shows the urgency of dissolving the unhealthy debts and paves the way for the second part.The second chapter, taking market economy as the reference frame, explores the endogenous reasons of the forming of commercial banks’ unhealthy debts in market economy. With the development of commodity economy, commercial bank has gradually become an intermediary <WP=8>institution specialized in the operation of monetary goods which shares some features with the common enterprises. The enterprise

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )
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