不良资产处置中的经济风险防控与管理策略研究

Research on economic risk prevention and control and management strategy in the disposal of non-performing assets

摘要

随着经济发展和金融市场的复杂化，大量的企业出现债务危机，在此情况下，银行业以及非银行的国有金融企业的业务收到强力的冲击，逾期问题带来的是催收与诉讼，最终体现的是企业的不良资产规模日益攀升，因此，目前不良资产的处置问题日益凸显，其探讨与研究，管理与控制，更成为目前经济人员的重点工作。本文结合不良资产处置的实际案例，系统分析风险防控的主要表现及成因，探讨风险防控的关键点与策略，并希望在此基础上，进一步的深化目前不良资产处置的现行管理和风控要求。

Abstract

As the economy develops and financial markets become more complex, many companies are facing debt crises. In this context, both banking and non-banking state-owned financial institutions have experienced significant business impacts. The issue of overdue payments has led to increased collection efforts and legal actions, ultimately resulting in a growing scale of non-performing assets (NPA). Consequently, the challenge of managing NPA has become increasingly prominent, making its discussion, research, management, and control a key focus for economic professionals. This article examines the actual cases of NPA disposal, systematically analyzes the primary manifestations and causes of risk prevention and control, explores the key points and strategies for risk prevention and control, and aims to further deepen the current management and risk control requirements for NPA disposal.

关键词

不良资产 / 风险防控 / 管理策略

Key words

non-performing assets / risk prevention and control / management strategy

参考文献

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