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作为长期存在的经济现象,金融机构发展的同时产生了大量的不良贷款,在一定程度上反映了区域的社会诚信度,有效解决这一问题是政府管理社会经济职能的体现。本文通过回顾国内外资产管理公司的运作模式,分析我国金融资产管理公司面临的困境,最终提出并论证了撤销各金融机构设立的资产管理公司,改由地方政府整合地方资源,组建地方综合性资产管理公司,变条条为块块,统一处理各金融机构不良贷款的新思路。
As a long-standing economic phenomenon, a large number of non-performing loans have taken place simultaneously with the development of financial institutions. To a certain extent, this reflects the region’s social integrity. An effective solution to this problem is the embodiment of the government’s management of social and economic functions. By reviewing the operation modes of domestic and foreign asset management companies, this paper analyzes the difficulties our country’s financial asset management companies are facing. Finally, it puts forward and argues that the asset management companies set up by financial institutions should be withdrawn and the local governments should integrate local resources and establish local comprehensive assets Management companies, change the article as a block, a unified approach to the new ideas of the non-performing loans of financial institutions.