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近年来,利用资产证券化手段处置银行剥离的不良资产的政策主张备受关注。农发行自成立以来,其开户粮棉企业形成大量政策性亏损,导致农发行贷款总额中政策性财务挂账贷款占比很高,挂账贷款的财政消化期限长,农发行资产流动性问题突出。如何使挂账贷款转动起来,提高农发行资产流动性,本文拟对挂账贷款证券化谈一点个人看法。
In recent years, the use of asset securitization to divest banks distressed non-performing assets policy advocacy has drawn much attention. Since its establishment, the Agricultural Development Bank has formed a large number of policy-related losses in its grain-and-cotton businesses, resulting in a high proportion of policy-oriented financial-impaired loans in total loans of agricultural development banks. The financial digestion period of loan-held loans is long and the issue of asset liquidity of the Agricultural Development Bank is outstanding. How to turn the loan to hang up and improve the asset liquidity of the Agricultural Development Bank, this article intends to talk about the loan-backed securitization personal point of view.