浅析我国商业银行不良资产证券化业务存在的问题及对策

Discuss on the Problems Concerned with Carrying out Unhealthy Assets Securitilise of Commercial Banks in China

资产证券化作为近几十年来世界金融领域内最大的创新之一,问世以来一直被视为解决银行不良资产的最佳途径,并在一些国家取得了良好的效果。我国商业银行面临着进一步解决历史遗留的不良资产问题。资产证券化作为一种新型的工具,在我国的运用必须结合西方发达国家的成熟经验,根据我国的实际情况逐步探索出适合我国不良资产证券化的途径。

Assets securitilise has been regarded as the best way to solve problem of unhealthy assets of bank since it was debuted as the greatest creation in the worldwide financial field in resent decades and has obtained outstanding effects in some countries. China commercial bank now also faces this kind of the problem due to history reason need to be further solved. Assets securitilise, as a new tools, its application in China must concerned about mature experience of western developed countries and really situation then gradually developing an assets securitilise way suit China