处置不良资产的市场化路径选择

Exploring Marketing Path for Non-performing Loans

伴随着国有商业银行股份制改革的正式启动 ,我国银行业不良资产处置工作也进入了一个新阶段。目前我国金融机构的不良资产总水平仍然远远高于成熟的市场经济国家 ,而现有的不良资产处置方式已经遇到许多难以克服的困难。要克服当前处置不良资产中所面临的种种制约 ,唯一的选择就是全面提升市场机制在处置不良资产中的作用 ,培育和建立不良资产的处置市场 。

The state-owned commercial banks have begun a reform of joint-stock system, and along with it has also come a new stage for disposing non-performing loans in bank business. Presently, the general level of the non-performing loans in China is still well above that of the countries with developed-market economy, and the disposal means for such loans have been confronted with insurmountable difficulties. The only choice then is to promote the function of the marketing mechanism, cultivate and upbuild the relevant market, and voluntarily seek new ways out.