化解风险已成为当前经济发展的关键环节。当前有很多人提出不良资产证券化的建议,然而,值得注意的是:不良资产证券化虽然是分散风险的有效手段,但同时可能面临着更大的风险。 首先,不良资产证券化有可能使银行风险增加。如果不良资产证券化不够审慎,发起银行又没有相应的资本作为支持,其风险必然还将留在行内。同时,银行业务越复杂,操作和法律风险越大,在出售不良资产后,银 Resolving risks has become a key link in the current economic development. At present, many people put forward the proposal of securitization of non-performing assets. However, it is worth noting that although the securitization of distressed assets is an effective measure to diversify risks, at the same time, it may face even greater risks. First, the non-performing assets securitization may increase the bank’s risk. If the non-performing assets securitization is not prudent, the sponsoring bank does not have the corresponding capital as a support, the risk will inevitably remain in the bank. At the same time, the more complicated the banking business, the greater the operational and legal risks. After the sale of non-performing assets, the more silver