1. 研究目的与意义（文献综述）

1．目的及意义（含国内外研究现状）

（1）目的

金融是现代经济的核心，在现代经济发展过程中，如何有效防范和化解金融风险是我国金融体制改革中面对的严峻课题。在我国，金融风险的潜在因素主要表现为国有商业银行对国有企业的巨额不良贷款。它不仅是国有商业银行转制的沉重包袱，而且是国有企业建立现代企业制度的重要障碍，更对我国经济持续、快速、稳定的发展形成巨大的威胁。

2. 研究的基本内容与方案

2．研究的基本内容、目标、拟采用的技术方案及措施

（1）基本内容及目标

主要内容：商业银行不良贷款的规模不仅会对银行的经营状况产生影响，从宏观角度来看，甚至会成为金融危机的诱因。论文首先阐述不良贷款的概念、分类，不良贷款形成的相关理论及危害；其次，结合具体案例，对案例银行不良贷款的管理现状及成因进行分析，并在此基础上进一步对案例银行不良贷款处置存在的问题进行探讨；最后借鉴国外银行处置不良贷款的经验及启示，对案例银行管理不良贷款提出自己切实可行的对策与建议。

3. 研究计划与安排

3．进度安排

（1）2018.12.15——2018.12.24 查阅资料，初步选题

（2）2018.12.24——2017.01.08 确定选题

4. 参考文献（12篇以上）

4．阅读的参考文献

[1] mangsi wang; zongfang zhou; chaohui xu. can bank debtgovernance and internal governance promote enterprise innovation [j]. procedia computerscience, 2018, vol.2 (2)

摘要：this paper examines the interaction between bank debt andinternal corporate governance that impact enterprise innovation, and verifiesthe importance of favorable interactions between internal and externalgovernance mechanisms to improving enterprise innovation. the results show thatmanagement equity incentives cannot improve enterprise innovation, but bankdebt, management compensation incentives, board governance and majorshareholder governance can all effectively improve corporate governance.moreover, among the mechanisms which improve enterprise innovation, bank debthas a positive interactive relationship with management compensation incentivesand board governance mechanisms and has a synergistic effect on enterpriseinnovation. after further dividing the sample by industry, it is found thatsuch interactions and synergies are more significant in technology-intensiveindustries.

[2] justin yiqiang jin; kiridaran kanagaretnam. banks’loan growth, loan quality, and social capital [j]. journal of behavioral and experimental finance, 2018, vol.6(2)

摘要：using a sample of public and private banksin the u.s. and two measures of social capital, we study how social capitalrelates to banks’ loan expansion strategies and loan quality. a higher loangrowth rate in the banking industry usually implies lower loan standards and ahigher percentage of future nonperforming loans. we find that social capital isnegatively associated with banks’ loan expansion strategy (proxied by banks’loan growth). we also document that social capital is negatively associated withgrowth in risky loans (proxied by real estate loans, construction loans, andcommercial and industrial loans). finally, we find that social capital isnegatively associated with bank loan loss provisions, change in loan lossallowance, and change in nonperforming loans. these findings are consistentwith the notion that social capital is associated with higher loan quality.

[3] huang; lin. labour unions and global bank loanmarket. applied economicsletters, 2019

摘要：this article attempts to collect a data setof labour unions in global 500 biggest banks and investigate whether labourunions of banks influence the designing of bank loan contracts. we use globalsyndicate loan market to examine this issue. for simplicity, banks with andwithout labour unions are referred to as ‘unionized banks’ and ‘nonunionizedbanks’, respectively. we find that unionized banks tend to loosen their lendingstandard in the bank loan contract: unionized banks are more likely to chargelower loan spread and favourable nonprice terms compared with nonunionizedbanks. hence, our results support that unionized banks tend to lend more loansto reduce the negative effect of labour unions.