【作者】 张薇；

【导师】 吴邲光； 张士元；

【作者基本信息】 北方工业大学 ， 经济法学， 2003， 硕士

【摘要】 信贷资产保全，是指商业银行依据国家有关法律、法规和政策，防范和减少贷款损失、维护商业银行合法权益的一种行为，是商业银行一项重要管理工作，是降低经营风险，提高经营效益，全面树立银行信誉的一项有效措施。 本文将商业银行信贷资产保全这一管理工作分为事前防范、事中控制、事后化解三个阶段。由于我国四大国有商业银行累积了巨额的不良资产，1999年，又陆续成立四家金融资产管理公司，以便对不良贷款实施专业化、系统化的管理。本论文拟从法律的视角对信贷资产保全的事后化解的理论与实践作一番系统地梳理，并试图从制度设计的层面发表一些个人的见解，期望能够对信贷资产事后化解法律制度的完善有所裨益。 本文共分五个部分： 第一部分为导言，指出研究商业银行信贷资产保全的研究意义与研究方法。 第一章界定商业银行信贷资产保全的概述，主要包括信贷资产“保全”与法律上“保全”的比较；将信贷资产保全划分为事前防范、事中控制、事后化解三个阶段。 第二章研究信贷资产事后化解的法律规制，主要包括六个方面：(一)风险分类技术是研究不良资产保全的基础问题；(二)我国商业银行不良贷款的状况与成因；(三)考察了美国、东欧各国、日本银行业不良资产重组，得出了国外商业银行不良资产重组的方式与启示；(四)我国化解商业银行不良资产的传统方法：包括财政补贴法、通过豁免或变相豁免贷款的方法、企业破产法；(五)对金融资产管理公司运作的法律规制：金融资产管理公司成立的必要性；金融资产管理公司的法律地位；我国金融资产管理公司运作的法律环境；债转股的运作；对现行制度的评价与反思；(六)资产证券化的法律规制：资产证券化概述；资产证券化的优势；资产证券化操作程序；我国推行资产证券化的现实法律环境分析；我国进行不良资产证券化的可行性分析。 第三章构造了商业银行信贷资产的环境培育国；培育信贷资产保全的法律环境；完善商业银行的信贷权管理制度和风险补偿机制；重建我国的银企关系。 第五部分为结束语指出了商业银行信贷保全任重道远，不仅是技术层面上的改进，而且是促使一种制度的转变。更多还原

【Abstract】 The preserving of banking loan asserts, is a work which means that bank utilize law and other means prevent and reduce the loss of loan, is a kind of affective measure to lower operation risk, increase return and set up the prestige completely.In this text, the preserving of commercial bank is divided into three stages: preserving before event, controlling in the event and dissolving after the event. Because the four biggest stated-owned banks accumulated large amount of non-performing loan, four asserts Management Corporation in succession established in order to put the non-performing loan into professional and systematical management after 1999. This paper intends to systematically sort the theory of preserving of loan asserts and personal view point than expect to have the benefit and try to preserving loan asserts and fulfillment from the law point, and try to present some personal views that expect to have benefit and to perfect the institution of law of after matter dissolving.This text is divided into five parts:The first part is the introduce, which point out the meaning and methods of research of preserving of commercial bank loan asserts.Part two probes the general content of preserving of commercial bank loan asserts, which include primarily the difference of preserving in loan asserts and preserving in law; divided into three stages: preserving before event, controlling in the event and dissolving after the event.Part three study the laws and rules of dissolving of after matter ,mainly include six aspects: (1) risk classification technique is foundation that research of reserving of non-performing loan asserts ;(2) the current condition and reason of non-performing loan ; (3) By investigating the non-performing asserts reorganization of USA, Easter European and Japanese banking, we have the measure and inspiration of reorganization of non-performing loan of abroad banking ;(4) the traditional measures of our country banking to dissolve the non-performing loan: fiscal method, measure of remission the non-performing loan , business enterprise bankrupt law ;(5) the law of asserts management corporation: the necessity that establish the asserts management corporation; the legal position of asserts management corporation ;the operation and predicament of stocks which is conserving non-performing loan ;the establish and think of current institution ;(6) the law of asserts securitization ;the general content of asserts securitization ;the advantage of asserts securitization, the operation procedure of asserts securitization ;the realistic law environment analysis of carrying throughasserts securitization in our country ;the realistic analysis of proceed non-performing loan securitization.Part four constructs the environment of growth commercial bank loan asserts the law environment of growth of loan asserts preserving, perfecting institution of right management and the mechanism of risk compensate; reconstitution of relation of bank and enterprise in our country.Part five is the end section and point out the long load that preserving of commercial bank has to go, not only the improvement of techniques, but also is an urge to transform the institution.更多还原