以平台化思维处置不良资产的研究

The Research of Platform Thinking on Disposal of Non-performing Asset

在不良资产规模大幅攀升的严峻形势下,如何提升不良资产的处置能力成为商业银行的迫切需要。本文在分析商业银行不良资产现状和不良资产处置模式的基础上,分析了我国商业银行不良资产处置的发展趋势,并从平台化思维的角度提出了提升不良资产处置能力的对策建议,包括打造内部集中模式的处置平台、不良资产处置方式的创新研究平台、不良资产处置的投资平台、不良资产处置的互联网化平台以及专业化的资产管理平台。

With the sharp increase of non-performing loans,how to enhance the ability to deal with nonperforming assets(NPAs) is urgent for commercial banks.After reviewing the status and disposal model of NPAs of commercial banks,we summarize the practice trend of China's commercial banks,and propose a platform approach to dispose NPAs.The platforms include internal centralized disposing platform,the creative research platform of disposing NPAs,the investment platform of NPAs,the Internet platform of disposing NPAs and the platform of specialized asset management.