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npl NPL =National Physical Labor...

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Indeed , the npl problem undermines the effectiveness of the banking sector in performing its role as the most important channel of financial intermediation in many jurisdictions in the region and inhibits economic growth and development 事實上,由于銀行體系是亞洲不少地區最重要的金融中介渠道,不履行貸款問題不但影響銀行體系發揮的中介功能成效,更會窒礙經濟增長及發展。

China is not an exception . china ' s npl has a large scale , accounting to 25 - 30 % of the total assets of the banking sector . it has been considered as a big risk hibernating in china ' s financial system 由于經濟體制的原因,中國的商業銀行也產生了大量的不良資產,我國的銀行不良資產規模巨大,占到銀行資產總額的25 - 30 ,資產的質量差,這是我國金融系統中主要的風險。

Aim at this deficiency , the paper pay much attention to the importance of keeping away the increment of npl , so based on the work of formers , the paper advances a dynamic - comparative model of increasing of npl and gdp 論文針對這一不足,重點論證了增量防范的重要性,改進了前人的模型,提出了不良資產與gdp增長的動態比較模型。模型論證了遏制不良資產增量產生的重要性。

In order to dispose of the non - performing loan ( npl ) , the chinese government set up one after another four state - owned asset management corporations ( amcs ) in 1999 , which are cinda , great wall . orient , and huarong 為解決銀行不良資產比率過高、企業負債率過高,但銀行、企業競爭力低的問題,我國于1999年相繼成立了信達、長城、東方、華融四家金融資產管理公司。

In this part , the author mainly analyse two kinds of npl assessment : debt payment ability assessment and the value of creditor ' s right appraisal . at the same time , the author discusses some detailed information about these two assessment models 詳細探討了銀行不良資產評估的兩種類型:償債能力評估和債權價值評估,包括其前提條件、評估方法、應用的局限性等等。

In different loan classification system , npl has different definition . practically , america , japan , southeast asia countries have their own style of npl solution . one common model is good - bank and bad bank separation 主要從美國的rtc模式,日本的橋銀行模式和東南亞韓國的資產管理公司模式來看處理不良資產的一般模式,集中處理,將好銀行與壞銀行分的方法。

Housing mortgage was ( i ) concentrated in a handful major cities and areas where housing prices rose strongly ; ( ii ) accompanied by a rapid growth in housing provident funds , and ( iii ) with a low ratio of non ? performing loans ( npl ) 個人購房貸款呈現以下特征:一是集中于少數重點城市和熱點地區;二是個人住房公積金貸款快速增長;三是個人購房貸款的不良率較低。

In the same chapter , efforts have been also exerted as to the discussions upon the disposition means of npl that is currently in practice , so that a sample base of disposition techniques is available 同時,第一章對不良資產在我國的分布和種類進行了論述,向讀者展示了銀行不良資產在中國現狀的全貌。隨即,不良資產處治手段在國際上的應用在本文中也被提到。

In chapter four , from aspects of the credit scale control as well as the development and reorganization of trust investment companies , the author discusses on the influence of periodical . economic fluctuation on the formation of npl 在第四章中,筆者從信貸規模控制和信托投資公司發展與整頓兩個方面探討了經濟周期波動對不良資產形成的影響。

The model demonstrates the importance of keeping the npl within limits . we think the npl can be controlled and spontaneous assimilate gradually only if we can control the increment of the npl effectively 認為只要能夠有效的控制住增量的再生,不良資產是可以在日后的工作中逐步得到控制并最終自行消化,而目前理論界對此的認識不夠。

One common feature in the resolution of the npl problem is the establishment of asset management companies amcs involving , inevitably , the use of public funds to take npls off the books of the banks 處理不履行貸款問題的常用對策,是設立資產管理公司,而這樣無可避免要動用公帑來處理銀行帳冊上的不履行貸款。

In china the main body to deal with the npl is the asset management corporation , which emphasizes on the disposal of the npl . however such method cannot keep the npl from increasing 我國目前采取的是以資產管理公司為主導的處置模式,強調的是對不良資產存量的處置,對增量的再生問題沒有引起足夠的重視。

Because of some reasons , there are a lot of npl deposited in the four state - owned banks ( sobs ) in our country , which has become the threat to the security of our financial industry 我國的四大國有商業銀行由于各個方面的原因已經沉積了大量的不良資產,這也是威脅我國金融安全的“定時炸彈” 。

The accumulation of npl in one economy will induce banking crisis , which has occurred in many countries , such as america , japan , east european transition economies , southeast asia and korea 美國、日本、東歐的轉軌國家、瑞典、東南亞各國和韓國等都出現過由于不良資產問題帶來的銀行危機。

Such efforts help enhance the robustness of the banking sector and help protect the hong kong banking sector from being inflicted by the sort of severe npl problem that is so common in emerging markets 我們這些工作有助加強本港銀行體系的穩健性,避免出現新興市場常見的嚴重不履行貸款問題。

October 2007 . a skyline client wins a bid in a province . this is the largest npl sold to foreign capital in that province . the total investment capital was above 30 million rmb 2007年10月,天際線的一家客戶在某省中標。這是該省最大規模的向外資出售不良資產項目。總投資超過3000萬美元。

The reality also proves that it can only solve the surface problem if we only deal with deposition and we should prevent the increment of the npl to solve the essential problem 事實證明對存量的處置只是治標,治本工作應在防止增量再生上面。這也是本文提出的主要觀點。

But the npl ratio may never be zero . there may sometimes be developments that are beyond the expectation of bankers , however knowledgeable and prudent they are 不過,不良貸款永遠不會達到0 %的水平,因為無論銀行家有多資深有多審慎,總會有一些意想不到的事情發生。

It is necessary and urgent to establish a npl resale market in china . the huge amount of npl in china needs a big market with enough market to accommodate it 在1999年我國成立了資產管理公司來處理不良資產,資產管理公司是具有獨立法人資格的國有獨資金融企業。