商业银行不良资产证券化法律问题研究  

Research on Legal Issues of Non Performing Asset Securitization in Commercial Banks

作　　者：金鑫 JIN Xin(Hefei University of Technology,Hefei 230002,Anhui)

机构地区：[1]合肥工业大学,安徽合肥230002

出　　处：《江苏商论》2024年第12期89-92,共4页Jiangsu Commercial Forum

摘　　要：当前,中国宏观经济呈现下行趋势,商业银行的不良贷款余额不断攀升,不良资产负债率持续上升,银行业面临的内外部压力显著加大。在此严峻形势下,传统的不良资产处置方式已经无法有效缓解银行业的经营压力。因此,多家商业银行选择将不良资产证券化作为处置方式。不良资产证券化一方面可加快商业银行不良资产处置,拓展业务范围,促进机构营收,一方面可为探索和发展新兴的经营模式,提供了一个重要的契机和起点。Currently,China's macroeconomy is showing a downward trend,with the non-performing loan balance of commercial banks continuously rising and the non-performing asset liability ratio continuing to rise.The banking industry is facing significantly increased internal and external pressures.In this severe situation,traditional methods of disposing of non-performing assets are no longer effective in alleviating the operational pressure on the banking industry.Therefore,multiple commercial banks have chosen to securitize non-performing assets as a disposal method.On the one hand,securitization of non-performing assets can accelerate the disposal of non-performing assets in commercial banks,expand business scope,and promote institutional revenue.On the other hand,it can provide an important opportunity and starting point for exploring and developing emerging business models.

关 键 词：商业银行 不良资产 证券化 

分 类 号：F830[经济管理—金融学]