銀行不良資產(chǎn)管理處置方法及案例

1、CHINA INVESTMENT BANK112002年3月，北京CHINA INVESTMENT BANK22主要問(wèn)題A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題B 國(guó)際上管理處置銀行不良資產(chǎn)的環(huán)境C 國(guó)際上管理處置不良資產(chǎn)的政策和技術(shù)經(jīng)驗(yàn)教訓(xùn)D 商業(yè)銀行不良資產(chǎn)管理案例F 中國(guó)處理銀行業(yè)不良資產(chǎn)問(wèn)題的政策和技術(shù)對(duì)策G 銀行不良資產(chǎn)重組項(xiàng)目作業(yè)小組之工作CHINA INVESTMENT BANK33 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK44A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK55A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)

2、題CHINA INVESTMENT BANK66A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK77A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK88A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK99A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK1010A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK1111A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK1212A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)

3、題CHINA INVESTMENT BANK1313A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK1414A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK1515A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK1616A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK1717A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK1818A 剝離劃撥轉(zhuǎn)移產(chǎn)生的金融資產(chǎn)流失問(wèn)題CHINA INVESTMENT BANK1919CHINA INVE

4、STMENT BANK2020CHINA INVESTMENT BANK2121CHINA INVESTMENT BANK2222CHINA INVESTMENT BANK2323CHINA INVESTMENT BANK2424CHINA INVESTMENT BANK2525CHINA INVESTMENT BANK2626CHINA INVESTMENT BANK2727CHINA INVESTMENT BANK2828CHINA INVESTMENT BANK2929CHINA INVESTMENT BANK3030CHINA INVESTMENT BANK3131CHINA INVE

5、STMENT BANK3232CHINA INVESTMENT BANK3333CHINA INVESTMENT BANK3434CHINA INVESTMENT BANK3535CHINA INVESTMENT BANK3636 銀行不良資產(chǎn)管理處置的措施、途徑與方法CHINA INVESTMENT BANK3737國(guó)際上管理處置不良資產(chǎn)的政策和技術(shù)經(jīng)驗(yàn)教訓(xùn)CHINA INVESTMENT BANK3838C C 國(guó)際上管理處置不良資產(chǎn)的政策和技術(shù)經(jīng)驗(yàn)教訓(xùn)國(guó)際上管理處置不良資產(chǎn)的政策和技術(shù)經(jīng)驗(yàn)教訓(xùn)CHINA INVESTMENT BANK3939CHINA INVESTMENT BANK40

6、40CHINA INVESTMENT BANK4141CHINA INVESTMENT BANK4242CHINA INVESTMENT BANK4343CHINA INVESTMENT BANK4444CHINA INVESTMENT BANK4545CHINA INVESTMENT BANK4646CHINA INVESTMENT BANK4747CHINA INVESTMENT BANK4848CHINA INVESTMENT BANK4949CHINA INVESTMENT BANK5050CHINA INVESTMENT BANK5151CHINA INVESTMENT BANK52

7、52CHINA INVESTMENT BANK5353CHINA INVESTMENT BANK5454CHINA INVESTMENT BANK5555CHINA INVESTMENT BANK5656CHINA INVESTMENT BANK5757CHINA INVESTMENT BANK5858CHINA INVESTMENT BANK5959CHINA INVESTMENT BANK6060CHINA INVESTMENT BANK6161CHINA INVESTMENT BANK6262CHINA INVESTMENT BANK6363CHINA INVESTMENT BANK64

8、64CHINA INVESTMENT BANK6565CHINA INVESTMENT BANK6666CHINA INVESTMENT BANK6767CHINA INVESTMENT BANK6868: :銀行公司 資信擔(dān)保 投資者 客戶轉(zhuǎn)售貸款發(fā)債資金發(fā)售債券發(fā)債資金付款貸款信托公司（發(fā)債人）CHINA INVESTMENT BANK6969:AEBDCCHINA INVESTMENT BANK7070:基本要求目的CHINA INVESTMENT BANK7171CHINA INVESTMENT BANK7272CHINA INVESTMENT BANK7373CHINA INVEST

9、MENT BANK7474CHINA INVESTMENT BANK7575CHINA INVESTMENT BANK7676CHINA INVESTMENT BANK7777CHINA INVESTMENT BANK7878CHINA INVESTMENT BANK7979CHINA INVESTMENT BANK8080CHINA INVESTMENT BANK8181CHINA INVESTMENT BANK8282CHINA INVESTMENT BANK8383CHINA INVESTMENT BANK8484CHINA INVESTMENT BANK8585CHINA INVEST

10、MENT BANK8686 商業(yè)銀行不良資產(chǎn)管理案例CHINA INVESTMENT BANK8787D 銀行不良資產(chǎn)管理處置框架案例:中國(guó)投資銀行CHINA INVESTMENT BANK8888D 銀行不良資產(chǎn)管理處置框架案例:中國(guó)投資銀行n1、處理銀行不良資產(chǎn)的早晚決定著解決效果和成本代價(jià)的大小，小病不醫(yī)成大病n2、針對(duì)不良貸款主要為1994年商業(yè)銀行改制前發(fā)放的政策性貸款的特點(diǎn)，1994年底時(shí)點(diǎn)，實(shí)行新老貸款分離、分帳劃斷，將老貸款剝離出來(lái)交給專門的部門、專門的人員，采用特殊的政策單獨(dú)加以處理CHINA INVESTMENT BANK8989D 銀行不良資產(chǎn)管理處置框架案例:中國(guó)投資銀

11、行n3、在全系統(tǒng)構(gòu)建責(zé)權(quán)明確、精神與物質(zhì)利益獎(jiǎng)懲到位的有效的激勵(lì)與約束并存的機(jī)制，責(zé)任制考核比重應(yīng)在50以上，設(shè)立貸款本息回收率、資產(chǎn)保全率、資產(chǎn)轉(zhuǎn)化率、資產(chǎn)回收率等各種指標(biāo)n給予資產(chǎn)經(jīng)營(yíng)處置部門充分的物質(zhì)保證，允許在內(nèi)部管理、收入分配等；0?0的工資，加強(qiáng)資產(chǎn)經(jīng)營(yíng)處置人員的壓力和動(dòng)力；根據(jù)得分多少實(shí)行變動(dòng)費(fèi)用和人頭費(fèi)用變動(dòng)n對(duì)回收比率超過(guò)一定水平的辦事處設(shè)專門獎(jiǎng)項(xiàng)n對(duì)特殊項(xiàng)目實(shí)行承包責(zé)任制CHINA INVESTMENT BANK9090D 銀行不良資產(chǎn)管理處置框架案例:中國(guó)投資銀行n1、在堅(jiān)持債信嚴(yán)肅性和加強(qiáng)債務(wù)約束的條件下，制定了一系列資產(chǎn)管理法規(guī)n2、在國(guó)家有關(guān)政策框架內(nèi)，改變傳統(tǒng)的催

12、討式收貸方式，銀行主導(dǎo)寬讓并與企業(yè)根本性改革結(jié)合，回收處理老貸款CHINA INVESTMENT BANK9191D 銀行不良資產(chǎn)管理處置框架案例:中國(guó)投資銀行n爭(zhēng)取政府的政策與資金支持該行充分利用國(guó)家對(duì)外債轉(zhuǎn)貸款償還的保護(hù)政n在負(fù)債方面，積極爭(zhēng)取外債方面的政策性資金支持，爭(zhēng)取政府債權(quán)人的務(wù)減免CHINA INVESTMENT BANK9292D 銀行不良資產(chǎn)管理處置框架案例:中國(guó)投資銀行n經(jīng)驗(yàn)：從國(guó)家來(lái)講，一方面，政府要給予商業(yè)銀行一些鼓勵(lì)性的優(yōu)惠政策，激發(fā)處理不良資產(chǎn)的動(dòng)力，區(qū)別等待健全的商業(yè)銀行的不良資產(chǎn)；債權(quán)轉(zhuǎn)股權(quán)，不列入商業(yè)銀行在境內(nèi)搞投資，視作抵押物，實(shí)行特別管理；靈活核銷政策，增

13、加商業(yè)銀行的資本金。n另一方面，要對(duì)不良資產(chǎn)問(wèn)題嚴(yán)重的銀行施加壓力，要求銀行簽訂降低不良資產(chǎn)責(zé)任狀，壓縮財(cái)務(wù)開(kāi)支，追究有關(guān)貸款責(zé)任人的責(zé)任，促其增加不良資產(chǎn)回收力度CHINA INVESTMENT BANK9393D 銀行不良資產(chǎn)管理處置框架案例:中國(guó)投資銀行n從商業(yè)銀行來(lái)講，一方面，商業(yè)銀行可通過(guò)不良資產(chǎn)項(xiàng)目招標(biāo)、簽定超過(guò)手段，制定特殊獎(jiǎng)勵(lì)政策，鼓勵(lì)行內(nèi)部門、分支機(jī)構(gòu)處理銀行不良資產(chǎn)的，配套適當(dāng)?shù)你y行讓利政策、呆壞帳沖銷n另一方面，商業(yè)銀行要求相關(guān)行內(nèi)部門、有關(guān)分支機(jī)構(gòu)下達(dá)一定的限制性，對(duì)信貸責(zé)任人施加回收不良貸款壓力、對(duì)新資產(chǎn)下達(dá)貸款風(fēng)險(xiǎn)控制指標(biāo)等CHINA INVESTMENT BANK

14、9494 中國(guó)處理銀行業(yè)不良資產(chǎn)問(wèn)題的政策和技術(shù)對(duì)策CHINA INVESTMENT BANK9595 銀行不良資產(chǎn)重組項(xiàng)目作業(yè)小組銀行不良資產(chǎn)重組項(xiàng)目作業(yè)小組之工作之工作CHINA INVESTMENT BANK9696G 銀行不良資產(chǎn)重組項(xiàng)目作業(yè)小組之工作GCHINA INVESTMENT BANK9797CHINA INVESTMENT BANK9898CHINA INVESTMENT BANK9999CHINA INVESTMENT BANK100100CHINA INVESTMENT BANK101101CHINA INVESTMENT BANK102102CHINA INVESTM

15、ENT BANK103103CHINA INVESTMENT BANK104104CHINA INVESTMENT BANK105105CHINA INVESTMENT BANK106106CHINA INVESTMENT BANK107107CHINA INVESTMENT BANK108108CHINA INVESTMENT BANK109109CHINA INVESTMENT BANK110110CHINA INVESTMENT BANK111111CHINA INVESTMENT BANK112112CHINA INVESTMENT BANK113113CHINA INVESTMENT

16、 BANK114114CHINA INVESTMENT BANK115115CHINA INVESTMENT BANK116116CHINA INVESTMENT BANK117117CHINA INVESTMENT BANK118118CHINA INVESTMENT BANK119119CHINA INVESTMENT BANK120120CHINA INVESTMENT BANK121121CHINA INVESTMENT BANK122122CHINA INVESTMENT BANK123123CHINA INVESTMENT BANK124124CHINA INVESTMENT BANK125125CHINA INVESTMENT BANK126126CHINA INVESTMEN