化解我国国有商业银行不良资产的总体思路  

The Idea of Dealing with NPLs in China's State-Owned Commercial Banks

作　　者：徐谦[1] 

机构地区：[1]西北大学经济管理学院,陕西西安710069

出　　处：《西南交通大学学报（社会科学版）》2003年第3期36-39,共4页Journal of Southwest Jiaotong University(Social Sciences)

摘　　要：化解我国银行不良资产 ,需要负债企业、银行和政府等相关主体共同负担。但从它们实际负担能力看 ,不足以在一个较短的时期内将银行不良资产降到安全的水平。为了防止金融风险向财政风险转移 ,利用资产证券化吸引社会公众投资 ,是弥补化解银行不良资产资金缺口的理想选择。The nonperforming loans (NPLs) have already become a major hidden risk for financial security in China. To deal with it, the enterprises in debt, banks and government should make joint effort. However, it cannot be solved completely only depending on enterprises, banks and governments financial abilities. To prevent the financial risk transferred to fiscal risk, it is necessary to attract public investment by asset securitization. The problem can be successfully solved only by financial reform and innovation.

关 键 词：国有商业银行 不良资产 资产证券化 金融风险 财政风险 金融改革 金融创新 政府 国有企业 偿债能力 负担能力 社会公众投资 

分 类 号：F832.2[经济管理—金融学]