摘要
证券化是国际上处置不良资产的一条有效途径。我国商业银行不良资产规模庞大、成因复杂,处置手段受到多重因素的约束,开展银行不良资产证券化必要且可行,但在我国的实践中仍面临着诸多问题和挑战,亟待突破。未来,随着相关法律法规的完善,以及资产证券化技术的成熟,证券化方式必将成为我国批量处置银行业不良资产的有效手段。同时,谨防不良资产证券化进程中可能发生的系统性风险。
Securitization is the disposal of non-performing assets in an effective way. China＇s large scale of nonperforming assets of commercial banks and complex causes and means of disposal by the constraints of multiple factors, the development of bad bank asset securitization of necessary and feasible, but in the practice of our country still faces many problems and challenges, it needs a breakthrough. Future, with maturity of the perfection of relevant laws and regulations, and the technology of the asset securitization, securitization will become our country batch disposal of non-performing assets of banks and effective means. At the same time, the system of risk of non-performing asset securitization in the process.
出处
《吉林金融研究》
2016年第1期26-31,共6页
Journal of Jilin Financial Research
关键词
不良资产证券化重启
动因和效应
发展障碍
策略选择
Asset Securitization Restart
Cause and Effect
Development Barrier
Strategy Choice
