用信用违约互换防范商业银行不良资产的增量

Credit Default Swaps Can Prevent the increment of Ill Assets in Commercial Banks

商业银行大量的不良资产已经成为阻碍我国经济稳定发展的"绊脚石"。现有的解决思路立足于对不良资产的存量处理,不能从源头上避免不良资产的产生,而增量防范才是解决不良资产问题的关键。结合国际经验和我国具体国情,信用违约互换是最适合于我国现阶段解决银行不良资产增量的信用衍生产品。

A large amount of ill assets in commercial banks has become an obstacle of preventing our country from developing economy steadily. The current solution is based on the stock-in-trade disposal of ill assets and can＇ t avoid the ill assets aboriginally, instead increment prevention is the key to overcome the ill assets. Credit Default Swaps is the most appropriate Credit Derivatives of our country solving the ill assets increment on the current stage, compared with international experience and our specific situation.