集中强化依法清收模式探讨.doc

集中强化依法清收模式探讨
摘要:不良资产清收､双降是困扰国有商业银行改革､发展的难点｡依法清收是实现“双降”目标的主要途径｡在目前我国信用､法制环境条件下,各行应发挥系统垂直管理优势,通过整合人才资源,提升经济纠纷案件集中管理､处理8tTt8层次,探索专业化清收､精细化管理､市场化机制的结合创新,解决8t t t 8. c o m长期以来依法清收效益不高的问题｡
关键词:国有商业银行;不良资产;依法清收

Abstract:At present, our state-mercial banks are puzzled by clearing and recovering non-performing assets and lowering non-performing assets proportion. Legally clearing and recovering non-performing assets is the main way to achieve the goal of lowering non-performing assets proportion. In the present credit and legal system environment of China, state-mercial banks should make their advantage of vertical administration, improve centralized management of economic dispute cases by integrating man power resources, explore the innovative approaches of specialized clearing and recovering, intensive management and market -orientation management and find a solution to the low benefit of legally clearing and recovering non-performing assets.
Key words:stat-mercial bank; non-performing assets; legally clearing & recovering

不良资产清收管理是商业银行风险控制的重点､难点｡近年来,随着各行新增不良资产涉法清收问题增多和存量不良资产清收空间逐渐8ttt8缩小､难度增大,依法清收工作越来越重要ddTt,在依法清收工作中,由于. com各行特别是基层行普遍面临着缺乏法律专业人才资源,在当地法院诉讼案件中地方干预多,在上级法院诉讼案件中各自协调､处理8tTt8分散､效率迟缓,各行不同程度
地存在着胜诉未执结金额高､诉讼费垫支金额高､案件损失金额高而收回率低的“三高一低”状况,全辖依法清收的专业层次和整体效益亟待提高｡对此,在管辖行层面上积极探索资产风险管理､不良资产经营､经济纠纷案件处理8tTt8相结合的清收路径,着力构建大经营专业化绩效拓展机制,充分发挥现有法律事务人员的专长作用,深层推进不良资产的专业化追偿,实施集中