The Analysis of Current Chinese Non-Performing Assets and Lessons and Insights Learned from Experiences of Foreign Banks' Non-Performing Assets

Research Article
Open access

The Analysis of Current Chinese Non-Performing Assets and Lessons and Insights Learned from Experiences of Foreign Banks' Non-Performing Assets

Yuli Ouyang 1*
  • 1 UCL    
  • *corresponding author oyyl20010815@163.com
Published on 13 September 2023 | https://doi.org/10.54254/2754-1169/22/20230308
AEMPS Vol.22
ISSN (Print): 2754-1177
ISSN (Online): 2754-1169
ISBN (Print): 978-1-915371-87-4
ISBN (Online): 978-1-915371-88-1

Abstract

In China's banking industry, the problem of non-performing assets has a long history and a large scale. It has become a major obstacle to the development of our national economy. If the problem is not resolved, it will become more and more severe and may even lead to a financial crisis. Thus, learning from foreign experience to solve the NA of Chinese commercial banks as soon as possible is crucial to fundamentally solving financial risks. This paper analyze the current situation of NA in Chinese banks caused by national industrial policy adjustment, use of monetary funds and severe flaws in the money-operating banks' management systems. From the successful experience of foreign banks in resolving NA, Chinese banks can diversify and utilize multiple disposal methods, with the support of government, in order to overcome the challenges of NA.

Keywords:

financial risks, banks non-performing assets, international comparison, asset preservation

Ouyang,Y. (2023). The Analysis of Current Chinese Non-Performing Assets and Lessons and Insights Learned from Experiences of Foreign Banks' Non-Performing Assets. Advances in Economics, Management and Political Sciences,22,180-183.
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References

[1]. China Banking and Insurance Regulatory Commission, Guidelines on the five levels of loan classification, China Banking and Insurance Regulatory Commission, 2022.

[2]. China Banking and Insurance Regulatory Commission, Annual Statement of Key Supervisory Indicators for Commercial Banks (2017-2021), China Banking and Insurance Regulatory Commission, 2022.

[3]. Non-Performing Assets Headlines, The Complete List of China Financial Asset Management Companies (2023 Edition ), Non-Performing Assets Headlines, 2023.

[4]. Liao, Duan, International comparison of commercial banks' non-performing assets disposal models and its inspiration [J]. Journal of Hunan University of Science and Technology (Social Science Edition), 2008, 11(3): 72-75.

[5]. Yang, Research on the innovation of commercial banks' non-performing assets disposal model in the network era [J]. Legal System and Economy, 2020, (4): 105-106.

[6]. Liang, Yu, China's long and tortuous road to interest rate marketization: lessons from the US experience, State Capital Research, 2016.

[7]. Xie, Xiong, Legal Analysis of Non-Performing Assets Liquidation, Law, 2001, 11.

[8]. Zhou, A preliminary investigation on the strategy of clearing and disposing of non-performing assets of commercial banks based on the background of the new normal[J]. Finance and Economics, 2017, (12): 20-21.

[9]. Zhang, A few thoughts on the disposal of non-performing assets of commercial banks [J]. Zhejiang Finance, 2011, (4): 46-49.

[10]. Jin, Research on the management of non-performing assets disposal of H banks [D]. Nanchang: Jiangxi University of Finance and Economics, 2021.

Cite this article

Ouyang,Y. (2023). The Analysis of Current Chinese Non-Performing Assets and Lessons and Insights Learned from Experiences of Foreign Banks' Non-Performing Assets. Advances in Economics, Management and Political Sciences,22,180-183.

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About volume

Volume title: Proceedings of the 2023 International Conference on Management Research and Economic Development

ISBN：978-1-915371-87-4(Print) / 978-1-915371-88-1(Online)
Editor：Canh Thien Dang, Javier Cifuentes-Faura
Conference website: https://2023.icmred.org/
Conference date: 28 April 2023
Series: Advances in Economics, Management and Political Sciences
Volume number: Vol.22
ISSN：2754-1169(Print) / 2754-1177(Online)

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References

[1]. China Banking and Insurance Regulatory Commission, Guidelines on the five levels of loan classification, China Banking and Insurance Regulatory Commission, 2022.

[2]. China Banking and Insurance Regulatory Commission, Annual Statement of Key Supervisory Indicators for Commercial Banks (2017-2021), China Banking and Insurance Regulatory Commission, 2022.

[3]. Non-Performing Assets Headlines, The Complete List of China Financial Asset Management Companies (2023 Edition ), Non-Performing Assets Headlines, 2023.

[4]. Liao, Duan, International comparison of commercial banks' non-performing assets disposal models and its inspiration [J]. Journal of Hunan University of Science and Technology (Social Science Edition), 2008, 11(3): 72-75.

[5]. Yang, Research on the innovation of commercial banks' non-performing assets disposal model in the network era [J]. Legal System and Economy, 2020, (4): 105-106.

[6]. Liang, Yu, China's long and tortuous road to interest rate marketization: lessons from the US experience, State Capital Research, 2016.

[7]. Xie, Xiong, Legal Analysis of Non-Performing Assets Liquidation, Law, 2001, 11.

[8]. Zhou, A preliminary investigation on the strategy of clearing and disposing of non-performing assets of commercial banks based on the background of the new normal[J]. Finance and Economics, 2017, (12): 20-21.

[9]. Zhang, A few thoughts on the disposal of non-performing assets of commercial banks [J]. Zhejiang Finance, 2011, (4): 46-49.

[10]. Jin, Research on the management of non-performing assets disposal of H banks [D]. Nanchang: Jiangxi University of Finance and Economics, 2021.

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