随着中央多项监管、调控措施的出台,2017年始至今银行业金融机构不良资产比例企稳,但不良资产处置形势依然严峻、处置能力亟待提高。本文结合我国目前不良资产处置风险与问题,结合笔者在金融机构作为法律顾问参与不良资产处置实务经验,对银行业金融机构处置不良资产应多渠道拓宽做出浅显提示与建议。 With the promulgation of a number of regulatory and control measures by the central government, the proportion of non-performing assets in banking financial institutions has stabilized since 2017, but the disposal of non-performing assets is still grim and the disposal capacity needs to be improved urgently. This article combined with the current risks and problems of disposal of non-performing assets in China, combined with the author’s practical experience in financial institutions as a legal adviser to participate in the disposal of non-performing assets, to make a brief hint and suggestions on the multi-channel broaden of non-performing assets for banking financial institutions.