2007쓪뗚66웚(ퟜ뗚2122웚)뷰ꆡꆡ죚컒맺뛠닣듎놾쫐뎡뢴퓓탔,쓑틔솢뿌퓚좫맺붨솢웰탭뛠쟸폲탔뗄쫐뎡,튲늻뿉쓜뗈듽좫맺쿖폐쟸폲탔쫐뎡뗄훰늽헻뫏뷸뛸탎돉튻룶룼듳맦쒣뗄쫐뎡,췆뷸컒맺뛠닣듎놾쫐뎡뛸뿉쓜쫇튻룶춬쪱췆뷸뗄맽돌ꆣ퓚듋맽돌훐,뒦샭랢햹뗄ퟜ쳥쮼슷뫃룄룯랢햹뫍컈뚨뗄맘쾵뻍쿔뗃폈캪훘튪ꆣ41릹붨뛠닣듎놾쫐뎡뗄맽돌훐펦힢훘럧쿕듷쳬훹뿘훆폫잿뮯볠맜ꆣ뛠닣듎놾쫐뎡뗄붨솢,붫탎돉럧쿕돌뛈듦퓚쏷쿔닮틬뗄늻춬ퟓ쫐뎡,뛔폚늻춬럧ꆡꆡ평폚쒿잰컒맺놾쫐뎡뗄떥튻탔,뻶뚨쇋뛠쿕돌뛈쫐뎡뗄볠맜,튪폐늻춬뗄볠맜훆뛈뫍랽쪽ꆣ닣듎놾쫐뎡붨짨횻쓜쫇튻룶훰늽붨솢ꆢ춬쪱췆평폚늻춬샠탍뗄죚헟ꆢ춶헟벯훐폚춬튻쫐뎡,뷸뗄맽돌ꆣퟷ캪뷰죚쳥쾵쓋훁헻룶뺭볃쳥쾵훐볓듳쇋쫐뎡뗄춶믺탔;뛸쟒늻춬닣듎놾쫐뎡뗄탅훘튪뗄룄룯뻙듫,뛠닣듎쫐뎡쳥쾵붨짨펦컈늽췆쾢엻슶랽쪽ꆢ쫐뎡볠뚽랽쪽ꆢ볠뚽돉놾ꆢ붻틗돉놾쫇뷸,뒦샭뫃룄룯ꆢ랢햹뫍컈뚨뗈맘쾵ꆣ늻튻퇹뗄ꆣ뷸탐쫐뎡닣듎뷡릹뗄쯜퓬맽돌,펦헫뛔11떱잰,램싉훆뛈뗄췪짆쪮럖웈쟐ꆣ쿖탐늻춬뗄쫐뎡쳘헷훆뚨늻춬뗄짏쫐뇪ힼꆢ탅쾢엻슶랽ꆶ횤좯램ꆷ쒳훖돌뛈짏폫뛠닣듎놾쫐뎡릹붨폐쪽뗈볠맜쳵샽,뗷헻볠맜쒣쪽,평벯훐볠맜쿲럖뗖뒥,늻샻폚컒맺붨솢뫍랢햹뛠닣듎횤좯쫐뎡쳥닣볠맜,평떥튻볠맜쿲뛠풪뮯볠맜ꆣ쾵ꆣ뛠닣듎놾쫐뎡뗄붨짨탨튪램싉훆뛈뗄뗷51뛠닣듎놾쫐뎡뗄붨짨,탨튪킭뗷뫃룷훖헻ꆣ쒿잰,ꆶ횤좯램ꆷ쯤헽퓚늻뛏췪짆횮훐,떫퓚샻틦룱뻖ꆣ뛠닣듎놾쫐뎡뗄랢햹믡뒥벰떱잰뷰붨짨뛠닣듎뗄놾쫐뎡랽쏦,뮹듦퓚뫜뛠좱쿝,죚뷡릹뗄만폐룱뻖폫뺭볃뷰죚쳥쾵훐틑뺭탎돉뗄탨튪룹뻝놾쫐뎡탂뗄랢햹뷸탐뗷헻ꆣ틲듋,?샻틦룱뻖ꆣ쒿잰,컒맺뗄뷰죚쫐뎡짏볤뷓죚햼탫탞룄ꆶ횤좯램ꆷ뗄쿠맘쳵뿮,캪컒맺뛠닣듎뻝훷떼뗘캻,볤뷓죚훐짌튵틸탐퓲쫇훷떼탔뗄,놾쫐뎡쳥쾵붨짨쳡릩쏷좷뗄램싉틀뻝ꆣ틸탐듻뿮욫훘맺폐듳훐탍웳튵ꆢ욫쿲듳훐돇쫐,뛠21뛠닣듎놾쫐뎡붨짨탨튪힢훘훆뛈붨짨닣듎놾쫐뎡뗄랢햹뇘좻믡뛔헢킩쿖폐뗄샻틦룱뫍쳥훆뒴탂ꆣ뛠닣듎놾쫐뎡뗄랢햹맽돌,놾짭뻖탎돉돥믷ꆣ뻍쫇뛔쒿잰탎돉뗄떥튻놾쫐뎡룱뻖뷸탐춻웆뫍ꆡꆡ(탬햪ퟔꆶ춶퇐뺿ꆷ2007쓪뗚8웚ꆶ릹붨컒훆뛈뒴탂ꆣ놾쫐뎡쫇캪웳튵죚럾컱뗄,웳튵맺뛠닣듎놾쫐뎡뗄첽컶ꆷ)뗄뛠퇹탔듓룹놾짏뻶뚨쇋놾쫐뎡펦떱쫇뛠닣듎뗄,뛸늻펦떱쫇닉좡떥튻쒣쪽ꆣ퓙쮵웳튵뗄뺭펪폫랢햹쫇럖뷗뛎뫍럖닣듎뗄,벴쪹쫇춬튻볒웳튵,훐맺뷰죚늻솼닺믘쫕싊퓚랢햹ힳ듳뗄늻춬뷗뛎,웤죚탨쟳튲듦퓚ퟅ닮펰쿬틲쯘럖컶틬,퓚뿍맛짏튪쟳놾쫐뎡쳥쾵뻟폐튻룶붡좫뗄뛠닣듎뷡릹살싺ퟣ웳튵늻춬랢햹뷗뛎뗄탨튪ꆣ틲듞ꆡ뫪ꆡ돌럯뎯듋,뛠닣듎놾쫐뎡뗄붨짨붫췆뚯놾쫐뎡ퟩ횯뷡릹뗄뒴탂ꆣꆡꆡ펰쿬NPAs(벴늻솼닺)믘쫕싊뗄틲쯘뫜뛠,31뛠닣듎놾쫐뎡붨짨튪힢틢킭뗷룄룯랢햹떫듳쳥뿉틔럖캪죧쿂쯄샠:NPAsퟔ짭틲쯘ꆢ햮컱웳폫컈뚨뗄맘쾵ꆣ컒맺뛠닣듎놾쫐뎡뗄붨짨,톡퓱튵ퟔ짭틲쯘ꆢAMCsퟔ짭틲쯘뫍뒦훃뮷뺳틲쯘ꆣ뗄쫇늻춬폚컷랽쫐뎡뺭볃랢듯맺볒돉쫬쫐뎡뗄랢NPAsퟔ짭틲쯘ꆣ훷튪쫇NPAs탎돉잰듻뿮햹뗀슷ꆣ떱잰,컒맺뗄놾쫐뎡랢햹쿖ힴ,뻶뚨쇋뗄탔훊,벴듻뿮랽쪽,쫇탅폃듻뿮뮹쫇떣놣듻뿮ꆣꆡ14' 1994-2014 China Academic Journal Electronic Publishing House. All rights reserved.
2007쓪뗚66웚(ퟜ뗚2122웚)춬쪱,틸탐ퟔ짭뗄뷷짷돌뛈튲쫇튻룶랽쏦,듓샭듻뿮웤믘쫕싊튲펦뷏룟ꆣ싛짏붲,듻뿮놾뷰맦쒣풽듳,쿠뛔폚킡맦쒣듻뿮21듻뿮놾뷰ꆣ듖싔럖컶,듻뿮놾뷰쯆뫵펰틸탐떱돵랢럅듻뿮쪱펦룃룼볓뷷짷ꆣ쿬믘쫕뷰뛮,뛸늻펦룃펰쿬믘쫕싊,떫쫇룃횸뇪햮컱웳튵ퟔ짭틲쯘ꆣ뫋탄쫇웳튵뗄뎥햮쓜춬쪱튲쫇튻룶랴펳틸탐럅듻뷷짷돌뛈뗄횸뇪ꆣ솦폫뮹뿮틢풸,잰튻룶틲쯘쫇폐쎻폐뺭볃쓜솦뎥틸탐럅듻뗄뷷짷돌뛈퇏룱쮵쫇폫틸탐맜샭쳥훆뮹듻뿮뗄컊쳢,뫳튻룶틲쯘퓲쫇훷맛짏쫇럱풸틢벰웤쓚늿맜샭훆뛈쿠맘솪뗄ꆣ헢훖뷷짷탔늻뷶뎥뮹듻뿮뗄컊쳢ꆣ뇭쿖퓚뛔듻뿮웳튵뗄톡퓱ꆢ쿮쒿뗄움맀틔벰뫳탸AMCsퟔ짭틲쯘ꆣ훷튪쳥쿖퓚솽룶랽쏦,튻뗄볠뚽맜샭짏,뮹뇭쿖퓚뛔볈뚨웳튵폫쿮쒿뗄듻쫇뿍맛뗄NPAs뒦훃쮮욽뫍킧싊,벯훐랴펳퓚늻뿮쫽솿짏ꆣ듻뿮쫽쒿풽듳,틸탐펦룃풽뷷짷,룷춬뗄뒦훃랽쪽톡퓱짏;뛾쫇AMCs뗄벤샸믺훆뛔샠럧쿕맜샭듫쪩튲펦풽퇏룱,헢퇹NPAs랢짺뗄훷맛얬솦돌뛈뗄펰쿬ꆣ룅싊뻍펦붵뗍,벴쪹랢짺쇋NPAs,웤쯰쪧튲펦룃뒦훃뮷뺳틲쯘ꆣ훚쯹훜횪,NPAs뗄뒦훃펰쿬뷏킡ꆣ쯹틔,컒쏇뿉틔뫏샭풤웚,듻뿮놾뷰풽듳,떽웳튵뗄짺듦랽쪽폫캴살랢햹,짵훁펰쿬짧믡뗄웤믘쫕싊튲펦룃뷏룟ꆣ컈뚨ꆣ틲듋,퓚NPAs뒦훃쪵볹훐,떱뗘헾뢮뗄룉31웳튵햮컱놣횤쓜솦ꆣ뛔웳튵뗄햮컱놣횤풤쫇뺭뎣탔뗄,춬쪱탭뛠뒦훃랽쪽,쳘뇰쫇웆닺ꆢ쓜솦뿉틔폐뛠훖횸뇪뷸탐뫢솿,ퟮ뎣폃뗄떱쫴쯟쯏뗈랽쪽,웤믘쫕쮮욽횱뷓쫜훆폚떱뗘램싉뮷닺뢺햮싊,닺뢺햮싊풽룟,튻뚨닺쯹떣뢺뗄뺳,쳘뇰쫇쮾램쮮욽뗄펰쿬ꆣ캪듋,헾뢮뫍램싉뗄햮컱톹솦뻍풽듳,웳튵뮹햮쓜솦뻍풽닮ꆣ춬쪱평틲쯘붻횯퓚튻웰,릹돉쇋훐맺NPAs뒦훃뮷뺳뗄훷폚웳튵뗄뢺햮살풴뿉쓜폐뛠훖춾뺶,뛔쳘뚨뗄쒳튪쳘헷ꆣ듋췢,NPAs뒦훃쫐뎡뗄랢폽돌뛈튲쫇훐튻햮좨죋살쮵,닺뢺햮싊풽룟,뛔ퟔ벺뗄놣횤맺AMCs퓚NPAs뒦훃쪱쏦쇙뗄튻룶훘튪훆뛈풼돌뛈뻍풽닮ꆣ쯹틔뿉틔풤웚,닺뢺햮싊폫쫸,죧놾쫐뎡랢햹쿠뛔훍뫳,틔벰램맦뗄쿞훆떼NPAs믘쫕싊횮볤펦돉뢺쿲맘쾵ꆣ듋췢,퓚웳튵훂늿럖룟킧뗄뒦훃쫖뛎쓑틔퓋폃뗈ꆣ뒦폚럇돖탸뺭펪쪱웚,웳튵쿖폐닺뗄뇤쿖볛횵샭싛뗄럖컶췹췹쫇췪쏀뗄,떫쪵볊짏,좫쏦뗄뻍돉쇋놣횤햮좨죋샻틦뗄믹뒡ꆣ떱좻웤좫늿뇤펰쿬틲쯘췹췹폖쫇쓑틔믱좡뗄,쳘뇰쫇뛔폚NPAs쿖볛횵늢늻튻뚨뚼믡폃폚뎥뮹쒳룶쳘뚨뗄햮좨뒦훃뛸퇔,컒맺늢쎻폐튻룶릫뾪뗄엻슶믺훆뫍쟾죋,떫솽헟뗄맘쾵뮹펦떱쫇돉헽쿠맘뗄ꆣ쯹틔컒뗀ꆣ닎뾼짏쫶샭싛럖컶늢룹뻝쇏뗄뿉믱뗃탔,쏇춬쪱튲풤웚웳튵뗄뎥햮쓜솦폫NPAs믘쫕싊놾컄뻟쳥톡퓱쇋틔쿂뻟쳥틲쯘,벴랴펳NPAsퟔ짭횮볤돉헽쿠맘맘쾵ꆣ틲쯘뗄듻뿮랽쪽ꆢ듻뿮놾뷰;랴펳햮컱웳튵ퟔ짭틲41웳튵맦쒣ꆣ웳튵뗄맦쒣쫇튻룶ퟛ뫏탔뫜잿쯘뗄웳튵햮컱놣횤쓜솦ꆢ웳튵맦쒣ꆢ웳튵쯹폐훆ꆢ뗄횸뇪,뿉틔듺뇭웳튵뗄랢햹ꆢ웳튵뗄뺺헹솦ꆢ웳튵탐튵쟸뇰ꆢ웳튵퓋펪ힴ뿶ꆢ웳튵쯹뒦쟸캻;랴펳뗄쪵솦뗈랽쏦ꆣ튻룶웳튵뗄맦쒣풽듳,웤죚춨룷쿮AMCsퟔ짭틲쯘뗄NPAs뒦훃랽쪽;랴펳뒦훃뮷뺳풴ꆢ뗷볁룷샠뢺햮뗄쓜솦믡퓶잿,춬쪱맦쒣풽듳틲쯘뗄헾뢮룉풤뫍램훎쮮욽ꆣ뗄웳튵쿠뛔살쮵웤탅폾튲룼폐놣횤,듓뛸뛔햮좨죋룷틲쯘뗄펰쿬믺샭죧쿂:뗄놣헏돌뛈튲믡쿠펦퓶듳ꆣ튻떩랢짺뮹듻톹솦,웤11듻뿮랽쪽ꆣ듻뿮랽쪽튻냣럖캪탅폃ꆢ놣뿉닉좡뗄돯춾뺶튲뿉쓜폐뛠훖,AMCs뛔룃샠웳횤ꆢ뗖톺뫍훊톺쯄훖탎쪽ꆣ춨뎣,헢쯄훖랽쪽뛔튵뗄NPAs뗄믘쫕싊튲펦룃뷏듳ꆣ햮좨죋뗄샻틦놣헏돌뛈쫇늻춬뗄,탅폃뗄놣헏돌51웳튵쯹폐훆ꆣ쯄볒AMCs쯹뛔펦뗄틸탐뛈ퟮ뗍,놣횤뷏룟,뗖톺룼룟,뛸훊톺ퟮ룟ꆣ뿉틔뚼쫇맺폐쳥훆,쫜뒫춳쳥훆펰쿬,뎤웚틔살,틸탐뫏샭풤웚,퓚랢짺NPAs뫳,폐뷏룟놣헏돌뛈뗄뗄듻뿮뛔쿳훷튪쫇맺폐웳튵ꆣ떫쫇맺폐웳튵폫ꆡ15' 1994-2014 China Academic Journal Electronic Publishing House. All rights reserved.
2007쓪뗚66웚(ퟜ뗚2122웚)맺폐틸탐횮볤뗄맘쾵튻횱늻쫇뒿듢뗄짌튵뮯맘뗈쇹훖탎쪽ꆣ뛔폚잰헟,평폚듲냼뒦훃샠쯆폚ꆰ엺쾵,쟒평폚솽헟룷ퟔ뗄풤쯣죭풼쫸,웳튵뛔틸탐랢ꆱ튵컱,뒦훃볛룱ퟔ좻믡폐쯹붵뗍,믘쫕싊튲믡쿠쫇쓜듻퓲듻,틸탐뛔웳튵퓲쫇훘듻쟡쫕ꆣ쒿잰뗄펦붵뗍;뛸뛔폚뫳헟,평폚늻춬뗄뻟쳥뒦훃랽쪽룷NPAs뛠쫽뻍쫇룃쳥훆쿂퓋탐뗄뇘좻뷡맻ꆣ컒쏇폐웤쫊폃쳵볾,쒳킩뒦훃랽쪽(죧웆닺폫쯟쯏뗈)뮹풤웚,웳튵뗄맺폐탔훊뛔AMCs뗄NPAs믘쫕싊폐뿉쓜쫇AMCs뗄컞쓎톡퓱,웤뒦훃맽돌튲믹놾늻믡폐뢺쏦펰쿬ꆣ뒦폚AMCs뗄헆뿘횮쿂,쯹틔늻춬뗄뒦훃랽쪽뇘좻61웳튵쯹뒦탐튵ꆣ늻춬뗄탐튵튻랽쏦듺뇭듸살늻춬뗄믘쫕싊ꆣퟷ캪AMCs,웤샭훇뗄톡퓱펦쇋웳튵뗄늻춬랢햹잱솦;쇭튻랽쏦,탐튵탔훊뗄닮쫇퓚룷훖늻춬뗄뒦훃랽쪽훐톡퓱믘쫕싊ퟮ듳뗄뒦틬튲떼훂늻춬뗄웳튵폐믺릹돉늻춬,폐탎뫍컞탎훃랽쪽ꆣ닺뗄뇈샽늻춬,뿉틔폃폚뗖톺뗄닺늻춬ꆣ쯹101떱뗘헾뢮룉풤ꆣ평폚맺폐웳튵웕뇩돐틔늻춬탐튵뗄웳튵퓚쏦쇙뮹듻톹솦쪱,햮좨죋뿉떣ퟅ짧믡ꆢ짵훁헾훎릦쓜,캪놣돖컈뚨뫍캬뮤횰횴탐뗄닺벰웤뇤쿖돌뛈늻춬,듓뛸뛔햮좨죋믡릤샻틦,AMCs퓚뒦훃룃샠웳튵뗄NPAs쪱,췹췹폐늻춬뗄놣헏쓜솦ꆣ컒쏇풤웚,늻춬탐튵웳튵뗄믡쫜떽살ퟔ헾뢮뗄룷훖룉풤ꆣ춬쪱,본폚AMCsNPAs믘쫕싊펦룃폐쯹닮뇰,쳘뇰쫇쓇킩뿉횴탐뛔NPAs뗄뒦훃뛔웳튵뫍떱뗘뺭볃ꆢ짧믡뿉쓜닺닺뷏뛠ꆢ닺춨폃탔뷏맣뗄웳튵,죧랿뗘닺탐튵뗄짺펰쿬,떱뗘헾뢮쯆뫵폖폐뿉쓜믽벫돶쏦킭뗷,웳튵,튻떩랢짺뮵헋,튲펦룃폐뷏룟뗄믘쫕싊ꆣ쒱쟳NPAs뒦훃뗄췗짆뷢뻶ꆣ늻뿉럱죏,룷뗘퓚71웳튵퓋펪ힴ뿶ꆣ웳튵횻폐늻춣뗘퓋펪,닅쿲쫐뎡뮯맬뗄뷸돌훐,웤헾뢮뗄룉풤돌뛈쫇늻믡볓뿬닺뗄훜뫍퓶횵,춬쪱웤닺튲횻폐퓚춬뗄ꆣ뿉틔풤웚,헾뢮룉풤뛔NPAs뒦훃믘쫕싊돖탸뺭펪쪱,닅믡뻟폐틔웤캴살쿖뷰쇷솿볆솿뗄붫닺짺펰쿬,떫랽쿲쓑틔좷뚨ꆣ볛횵ꆣ죴쫇웳튵늻쓜캬돖헽뎣뺭펪,뒦폚맘춣짵111떱뗘램훎쮮욽ꆣ떱햮컱웳튵폫AMCs늻쓜훁웆닺뗄뷗뛎,튻랽쏦웳튵돯벯뷰뗄살풴뿝뷟,듯돉뫍뷢,짵훁훷맛짏좱랦뮹뿮틢풸쪱,NPAs뗄뒦훜폠뗘복킡;쇭튻랽쏦,놾짭튲늻쓜퓙닺짺뷰훃뻍탨튪뷨훺폚램싉쫖뛎쇋,떱뗘램훎쮮욽죧뫎횱쇷죫,뛔햮좨죋뗄놣헏돌뛈믡훨좻쿂붵ꆣ컒쏇풤뷓맘쾵떽햮좨뗄훷헅폫횴탐ꆣ쯹틔컒쏇풤웚,램훎웚,쯦ퟅ웳튵퓋펪쟩뿶뗄훰늽뛱뮯,NPAs믘쫕싊쮮욽룟뗄뗘랽,웤NPAs믘쫕싊튲펦쿠뛔뷏룟ꆣ뗄쮮욽튲붫풽뗍ꆣꆡꆡ(쳯럧햪ퟔꆶ뷰죚싛첳ꆷ2007쓪뗚9웚ꆶ훐맺81웳튵쯹뒦쟸캻쳵볾ꆣ늻춬뗄뗘쟸뫍돇쫐,뷰죚늻솼닺믘쫕싊뗄펰쿬틲쯘ꆷ)웤뺭볃랢햹쮮욽늻춬,웳튵뗄뻛벯뛈늻춬,폐틢풸릺싲NPAs뗄웳튵뫍룶죋벰웤릺싲솦뻍믡늻춬,튲뻍쫇쮵,퓚튻뚨뗄NPAs릩룸쳵볾쿂,탨쟳믡늻춬ꆣ랢햹훐맺볒뗄뷰죚ퟔ평뮯쫇뛸탨쟳뗄뇤뮯ퟔ좻믡떼훂NPAs뒦훃볛룱뗄늻춬ꆣ튻냑ꆰ쮫죐붣ꆱ컒쏇풤웚풽쫇뺭볃랢듯뗄뗘랽,웤탨쟳풽듳,쿠펦NPAs뗄믘쫕싊튲뻍풽룟ꆣ쿾뻁91AMCs뛔NPAs뗄늻춬뒦훃랽쪽ꆣ쒿잰,컒맺AMCs뛔NPAs뗄뒦훃퓚쪵컱훐훷튪폐솽샠랽ꆡꆡ퓚랢햹훐맺볒뷸탐뗄뷰죚ퟔ평뮯쪵볹훐,뺡쪽,튻샠쫇내헕뒦훃쪱쫇럱듲냼,럖캪듲냼뒦훃폫맜삭쏀맺볒폫퇇훞맺볒뫍뗘쟸닉좡뗄랽쪽늻춬,럇듲냼뒦훃솽훖랽쪽;튻샠쫇헫뛔뻟쳥뗄햮좨럖뇰뻟쳥쪵쪩듸살뗄뷡맻튲폐뫜듳닮틬,떫뷰죚ퟔ평닉좡뗄뻟쳥뒦훃랽쪽,훷튪폐엄싴뺺볛ꆢ햮좨죃ꆢ뮯쪵볹좷쪵룸랢햹훐맺볒뗄뷰죚튵듸살쇋탭뛠헛뿛뇤쿖ꆢ틔컯뗖햮ꆢ쯟쯏(냼삨럧쿕듺샭)뫍웆닺탂뇤뮯:뷰죚훐뷩퓚맺쏱뺭볃훐뗄뗘캻듳럹짏ꆡ16' 1994-2014 China Academic Journal Electronic Publishing House. All rights reserved.
