金融是现代经济的核心,商业银行是金融业的主体。随着我国金融业的对

外幵放,国有商业银行不良资产问题已成为束缚我国金融体制与经济健康发展

的桎梏。不良贷款的危害性是毋庸置疑的,这一问题已成为中国银行业体系中

的主要隐患,基于国有商业银行在中国金融业的重要地位,国有银行的不良贷

款问题引起了金融界的高度重视。中国建设银行郑州直属支行是建行的基层分

支机构,其不良贷款整体状况良好,每年均可完成省行下达的不良贷款控制计

划。从2009年-2012年不良贷款的数量有明显减少,但从2013年开始不良贷款

呈现出明显的上升趋势。在实际操作中,不良贷款的管理及处置上仍然存在不

少问题,对于部分存量不良贷款和一些即将成为不良贷款的项目还不能够有效

地解决和及时遏制。因此,针对国有商业银行不良贷款问题的研究不仅具有重

要的理论意义,而且具有突出的实践参考价值,可以使国有商业银行在不良贷

款问题上能够做出更有针对性的判断。

本文在国内外不良贷款管理理论的基础上,通过比较分析法、理论与实证

相结合的方法对建行郑州直属支行的不良贷款问题进行了深入研究,根据建行

郑州直属支行不良贷款工作的现状、不良资产情况,对不良贷款的管理现状进

行分析,指出建行郑州直属支行存在的内部管理问题:风险防控机制不健全、

管理的精细化程度不够、考核激励措施不到位、清收处置进度迟缓。然后结合

经济发达国家、转轨国家和亚洲金融危机国家三种类型的代表银行在处置不良

贷款方面的经验及启示,为本文不良贷款管理方案提供借鉴;最后针对前文提

出的不良贷款管理方面存在的问题,提出了 4个具体的管理对策:在优化信贷

结构的基础上加强风险控制、完善内部控制加强IT技术应用、完善激励考核制

度加强员工培训、构建矩阵式内部集中管理的不良贷款处置模式。通过这4个

对策,实现不良贷款管理的规范化、标准化,力求建行郑州直属支行不良贷款

业务管理工作实现健康有序的发展,为信贷业务提供有效的清收保障机制。

关键词:商业银行不良贷款成因对策

Abstract

The core of modern economy is finance which is also the main body of the

financial industry. As opening to the outside world, China's financial industry's assets

of state-owned commercial banks have become the shackles of the healthy

development. Undoubtedly harmfulness of bad loans has become a major hidden

danger in the banking system in China. And based on the problem of non-performing

loans of state-owned banks the state-owned commercial banks state an important

position in the Chinese financial industry, which has aroused a high degree

of attention to the financial sector. Construction Bank of Zhengzhou branch is the

primary Chinese directly under the branch of the China Construction Bank,the

overall situation of the non-performing loan is good,which can reach the minimum

requirements of CCB,s bottom line each year. From 2009 to 2012,the numbers of

non-performing loans have decreased, but the beginning of non-performing loans in

2013 showing a clear upward trend. In practice, there are still many problems in the

management and disposal of non-performing loans,and for some part of the stock of

non-performing loans and non-performing loans of the project will become less

effective and timely solution to curb. Therefore,the study of non-performing loans of

state-owned commercial banks not only has an important theoretical significance, but

also has outstanding practical reference value and making state-owned commercial

banks to make bad loans on more targeted judgment.

Based on the domestic and non-performing loan management theory and through

the methods of comparative analysis, theoretical and empirical method, the problems

of non-performing loans CCB Zhengzhou were in-depth researched. And according to

the status of CCB Zhengzhou branch of bad loans working poor assets,the status of

non-performing loans management capacity for analysis, noting that the internal

management problems CCB branch in Zhengzhou immediate presence: risk control

mechanism is not perfect, fine enough degree of management,assessment and

incentive measures in place, the slow pace of recovery and disposal Then combined