通过资本市场处置不良资产的法律保障

Handling Non-performing Loans through Capital Markets: the Legal Guarantee

长期存在的不良资产严重的削弱了我国银行的经营基础,影响其安全性和长期赢利能力,并已成为商业银行各项业务经营中的“最短的那块木板”。妥善、高效处置不良资产,需要资本市场为之提供运作场所和工具。本文在借鉴中国工商银行的研究者对通过资本市场处置不良资产的途径研究之成果基础上,认为各种有效的处置方式,都需要法律的明确认同、支持和保障,并对之提出若干具体的立法建议。

The long-existing non-performing loans have seriously weakened the basic management of Chinese banks, and affected its security and the ability for the long-term profit. It has become ＂the shortest board＂ of the operation of commercial banks, Handling non-performing loans properly and efficiently requires the capital markets to provide it with operating room and tools. Based on the theory of handling non- performing loans through capital markets contributed by the researchers of ICBC, the article argues that every efficient handling method requires the legal confirmation, support and guarantee. Furthermore, the author puts forward several proposals for the legislation.