国有商业银行不良资产证券化可行性分析

四大国有商业银行的巨额不良资产,不仅关系到自身的生存与发展,还关系到我国金融体系的稳定,必须尽早化解。本文论述信贷资产证券化作为一种转移信用风险、提高资产流动性、安全性和效益性的金融创新工具,能有效地化解不良资产,促进金融市场的发展,从而有助于防范金融危机。我国应借鉴国际经验并结合本国国情,将信贷资产证券化运用到国有商业银行不良资产的实际化解工作中。

Securitisation feasibility analysis of non-performing assets of state-run commercial bank

The huge non-performing assets of the four major state-run commercial banks not only have a vital effect on the survival and development of their own, but also have a serious effect on the stability of the financial system of our country. Therefore,they must be dissolved as soon as possible . Credit assets securitisation, as a creative financial tool of transforming credit risk,,raising the mobitity,security and beneficial result of assets,can not only dissolve the non-performing assets effectively but also promote the development of financial market , thus contribute to taking precautions against the financial crisis. For this reason, our country by using the international experience as a reference and combining with the national conditions, should apply credit assets securitisation to the elimination of the non-performing assets of the state-run commercial banks as quickly as possible.