商业银行不良资产证券化:原理与操作

Research on the Application of Non-performing Asset Securitization in Commercial Banks

新冠肺炎疫情下,全球经济陷入困境,我国作为产业链的重要主体必然在经济领域受到严重冲击。市场普遍判断,我国商业银行贷款资产质量将面临较大挑战,如何提高防范化解金融风险能力成为当前重要课题。不良资产证券化作为快速、规模化处置不良贷款的路径之一,本文对其进行全面梳理研究,以期为后续化解金融风险融智谏言。

The global economy has been severely impacted by the coronavirus pandemic.As an important member of the global industrial chain,China will also sustain significant economic damage this year.The quality of loan assets of China’s commercial banks will face greater challenges,and how to improve the ability to prevent and reduce financial risk has become an important topic.The securitization of non-performing assets is one of the ways to dispose of non-performing loans quickly and on a large scale.This article conducts a comprehensive review of the situation,with the aim of reducing financial risk in the future.