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经济增速的放缓给企业和银行都带来了不小的压力,银行方面不良资产余额和不良资产率的不断上升已成为悬在头顶的“达摩克利斯之剑”。本文分析了当前国内开展不良资产证券化业务的必要性和充分性,并结合我国不良资产证券化的历史分析了当前国内不良资产证券化业务的现状和存在的问题,就针对性的对相关问题提出了自己的建议。寄希望于我国不良资产证券化能够取得更进一步的发展。
The slowdown in economic growth has brought pressure on enterprises and banks. The rising non-performing assets and the non-performing assets of banks have become the sword of Damocles. This article analyzes the current domestic need and adequacy of non-performing asset securitization business, combined with the history of China’s non-performing asset securitization analysis of the current domestic non-performing asset securitization business status quo and existing problems, targeted on the relevant issues Made his own suggestion. We hope that our non-performing asset securitization can achieve further development.