我国商业银行与资产证券化

Commercial Bank and Asset Securitization in China

长期以来,不良贷款问题是困扰我国商业银行一道难题。从国际银行业经营管理的实践来看,通过证券化方式转换、处置商业银行的不良贷款资产,以金融产品和业务创新提高商业银行资产的流动性,不失为一种成功有效的做法。但美国近来爆发并逐渐蔓延全球的经济危机也为我们敲响了警钟,在创新中,风险控制尤为重要。

For a long time, the issue of non-performing loans of commercial banks in China is troubled by a difficult problem. From the international banking operation and management of the practice by way of conversion of securities, commercial banks dispose of the assets of non-performing loans to financial products and business innovation of the business assets of the bank＇s liquidity is, after all, a successful and effective. However, the United States and the gradual spread of the outbreak of the recent global economic crisis is also a wake-up call for us, in terms of innovation, risk control is particularly important.