不良资产证券化最早起源于20世纪80年代的美国,此后意大利、日本、韩国等国家在面对银行体系不良贷款高企时,均将不良资产证券化作为处置不良资产的重要手段,并取得了较好的效果。在我国,不良资产证券化尚处于发展初期,市场和投资者均需要不断地进行培育,只有一个好的发行和投资环境,才会更有利于不良资产证券化的发展。 Non-performing asset securitization originated in the United States in the 1980s. Since then, countries such as Italy, Japan and South Korea have adopted non-performing asset securitization as an important means of disposing of distressed assets in the face of the high level of non-performing loans in the banking system. Good results. In our country, the non-performing asset securitization is still in the early stage of development. Both the market and the investors need to constantly cultivate. Only with a good environment for the issuance and investment will it be more conducive to the development of non-performing asset securitization.