商业银行不良资产证券化存在的问题及对策

Problems of Non-Performing Asset Securitization of Commercial Banks and Countermeasures

不良资产证券化是我国商业银行处置不良资产的主流措施。随着我国经济增速放缓,商业银行不良资产问题日益严重,我国于2016年重启了不良资产证券化的进程。虽然不良资产证券化能够明显降低商业银行经营风险,改善经营状况,但是由于我国资产证券化发展时间较短,目前商业银行不良资产证券化仍然存在着一些亟待解决的问题。因此,论文结合我国不良资产证券化的现状,指出存在的问题并针对性地提出建议。

The securitization of non-performing assets is the mainstream measure of disposal of non-performing assets by commercial banks in China.As China's economic growth slowed down,the problem of non-performing assets of commercial banks became increasingly serious.In 2016,China restarted the process of non-performing asset securitization.Although non-performing asset securitization can obviously reduce the operational risks of commercial banks and improve the operational conditions of commercial banks,there are still some urgent problems to be solved due to the short development time of asset securitization in China.Therefore,based on the current situation of non-performing asset securitization in China,this paper points out the existing problems and puts forward relevant suggestions.