【作者】 胡卓钊；

【导师】 杜金岷；

【作者基本信息】 暨南大学 ， 金融学， 2003， 硕士

【摘要】 有问题商业银行是健康商业银行的对称，一般指经营失败或因重大突发事件影响，有发生挤兑、倒闭、破产危险的商业银行。在防范和化解金融风险、维护金融稳健发展的背景下，系统研究我国有问题商业银行的成因和处置模式具有重要的现实意义。本文首先界定有问题商业银行的相关概念，分析其对银行体系稳定性的利害关系，并指出，有问题商业银行有其“病态”，“病体”和行为特征，有问题商业银行的诊断应该综合考察。在以上理论分析的基础上，本文对我国有问题商业银行的现状，特点及表现进行了描述分析，进而从一般原因和实际成因两个方面加以剖析，注重在分析问题层面的完整性和坚实度。 作为应用研究，本文将主要篇幅放在问题的解决层面即处置模式分析上。首先分析借鉴国际上较成熟的做法，包括处置主体及职能、处置资金安排、处置方式等方面。其次，对我国有问题商业银行处置模式从原则、方式、措施三方面深入论述，并归结出现有模式的主要缺陷：处置机制上主要由中央银行一手操办、处置手段和途径比较单一、处置过程没有体现公平与效率的市场经济原则。最后本文指出完善我国有问题商业银行处置的思路和对策是：通过完善监测机制，及早发现问题；通过完善处置机制，及时解决问题；通过完善防范机制，尽量减少问题。更多还原

【Abstract】 The iffy commercial banks, opposite to healthy commercial banks, are those banks who are in danger of squeezing to cash in and bankrupting because of operation failure or paroxysmal matter. It has important realistic meaning to do research systematically on the cause and treatment mode of the iffy commercial banks in china under the background of defending and dissolving financial risk and protecting its stability. The paper defines the correlative conceptions on the iffy commercial banks, analyzes the relationship with the stability of banking system and points out that the iffy commercial banks have their morbidity and behavioral character and their diagnosis should be considered comprehensively. On this basis, the paper describes the present, characteristic and behavior of the iffy commercial banks in china, and analyzes further their general and real reasons paying attention to the completeness arid firmness.As an application research, the paper lays the emphasis on solutions, that is, treatment mode. Firstly, It uses international mature experience for reference, including the treatment body and function, capital arrangement and treatment pattern and so on. Secondly, it discusses further treatment mode in principle, mode and measurement, and summarizes the bugs of present treatment mode: the mechanism controlled only by central bank, comparative singularity of treatment mode and ways, unfair and inefficient treatment course. At last, It points out the solutions to perfect the treatment of the iffy commercial .banks in china: improve controlling mechanism to find out problems in time, promote treatment mechanism to solve them on time and perfect defending mechanism to reduce problems.更多还原