Research on Debt Restructuring of Risk Assets of Corporate Customers of Commercial Banks
Download as PDF
In the past years, affected by the internal and external economic environment, the debt restructuring projects of difficult enterprises in China have increased year by year. For example, large enterprise groups such as Erzhong Group, sinosteel and China Railway Group have experienced debt crises one after another. In the process of resolving the debt risks of enterprises in difficulty, commercial banks actively resolve corporate debt risks and crises through debt restructuring according to China's current industrial policies, financial support policies, relevant laws, regulations and regulatory requirements, and guide and support enterprises in difficulty to implement more mergers and acquisitions, less bankruptcy liquidation and enforcement, and maximize the preservation of commercial bank assets, helping enterprises in difficulty to solve their crises in the near future and in the long run. At the same time, maintaining social stability and avoiding the waste of social resources ultimately achieve a win-win situation. Combined with the practice of debt restructuring for many years, the author analyzes the causes and performance of the formation of risk assets of commercial banks, discusses the principles and methods of debt restructuring, and puts forward relevant suggestions based on the problems existing in the work.
Commercial banks, Difficult enterprises, Risk assets, Debt restructuring