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如何有效处置不良资产是目前我国国有商业银行亟待解决的问题。资产证券化作为市场化的融资工具,有助于加快不良资产的处置变现过程,增强国有商业银行的综合竞争力。随着我国商业银行改制、上市进度的加快与资本市场改革的深化,不良资产证券化已经势在必行。本文首先论述了我国国有商业银行不良资产的现状,进而提出不良资产证券化,其次,分析不良资产证券化理论和基本模式,并根据我国的实际情况,提出了不良资产证券化在我国实施的问题,最后说明不良资产证券化是我国处置不良资产的有效途径之一。
How to effectively deal with nonperforming assets is an urgent problem for state-owned commercial banks in our country. Asset-backed securitization, as a market-oriented financing tool, helps to accelerate the liquidation of non-performing assets and enhance the overall competitiveness of state-owned commercial banks. With the restructuring of our commercial banks, the progress of listing and the deepening of capital market reform, the non-performing asset securitization has become imperative. This paper first discusses the current status of non-performing assets of state-owned commercial banks in our country, and then proposes the securitization of non-performing assets. Secondly, it analyzes the theory and basic mode of non-performing assets securitization. According to the actual situation in our country, , Finally shows that non-performing asset securitization is one of the effective ways to dispose non-performing assets in our country.