内部评级法与国有商业银行不良资产化解对策研究  

Countermeasure Research on Internal Ratings-Based Approach and Solving the State-owned Commercial Banks' Non-performing

作　　者：王宇[1] 

机构地区：[1]郑州大学商学院,河南郑州450001

出　　处：《科技创业月刊》2006年第12期82-83,85,共3页Journal of Entrepreneurship in Science & Technology

摘　　要：通过分析国有商业银行不良资产现状及成因,介绍内部评级法的内容框架和我国现有五级分类贷款的局限性,说明了内部评级法是化解国有商业银行不良资产的根本出路,指出我国目前实施IRB法存在的问题及IRB法在我国实施的对策选择。Though analyzing the actuality and cause of the state-owned commercial banks＇ non-performing assets, this text introduces the content and frame of Internal Ratings-Based Approach and the limitation of the five-category-asset classification for bank loans of China in existence, shows IRB is the ultimate outlet of solving the state-owned commercial banks＇ non-performing assets, moreover points the existing problem bringing IRB into effect presently and the countermeasure implementing IRB in China.

关 键 词：不良资产 内部评级法(IRB法) 五级分类贷款 

分 类 号：F832.33[经济管理—金融学]