商业银行向社会投资者转让贷款债权问题初探

How does Commercial Banks Transfer Loans Asset to Social Investors

商业银行向社会投资者转让贷款债权,是当前形势下商业银行处置不良贷款措施的创新,但对于此种债权转让的合法性,在理论上和实务操作上都存在争议。虽然银监会对此问题的批复可以指引债权转让工作,但在当前法律规定尚不明确的情况下,商业银行仍需注意相关法律风险。

Under the current situation, the commercial banks transfer non-performing loans to social investor is a innovative measure.However, the legality of the transfer is also in dispute both in theory and practical.CBRC approved this kind of transfer, but the commercial banks must pay more attention to the legal risks related to it.