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我国国有商业银行体系内部沉积的大量不良资产,已经成为深化金融体制改革、降低金融运行风险的关键问题。从国际经验来看,通过资产证券化的方式处置不良资产是一个有效的途径。本文在分析我国国有商业银行不良资产形成原因及现状的基础上提出若干处置不良资产的对策。
The large amount of non-performing assets deposited inside the state-owned commercial bank system in our country has become a key issue to deepen the reform of the financial system and reduce the risk of financial operation. From the international experience, it is an effective way to dispose non-performing assets through asset securitization. Based on the analysis of the causes and the current situation of non-performing assets of state-owned commercial banks in our country, this paper proposes some countermeasures to dispose of non-performing assets.