新形势下商业银行不良资产证券化可行性分析

Analysis of the Feasibility of the Non-Performing Assets Securitization of Commercial Banks Under the New Situation

疫情防控期间,不良资产数目与不良贷款率持续走高,我国商业银行对于不良资产证券化的呼声日渐高涨,对于不良资产证券化是否可行这一问题尚需分析。论文首先对不良资产证券化中存在的问题进行探究,随后分析其在商业银行处理不良资产中的可行性,最后对我国不良资产证券化提出一些建议。

During the period of epidemic prevention and control,the number of non-performing assets and non-performing loan ratio continued to rise,and the voice calling for the non-performing assets securitization by China's commercial banks is rising day by day.The problem of whether the non-performing assets securitization is feasible still needs to be analyzed.This paper firstly explores the problems existing in the non-performing assets securitization,and then analyzes its feasibility in commercial banks dealing with non-performing assets.Finally,this paper puts forward some suggestions for the non-performing assets securitization in China.