金融机构不良资产证券化趋势

商业银行不良资产问题在各国都有,问题的关键在于如何处理此问题。本文在介绍美国、日本不良资产处置方式的基础上得出其趋势昭示。在对处理不良资产几种不同方式比较分析的基础上,最后提出证券化手段应当成为我国国有商业银行不良资产处置的路径依赖。

On the Tnend of Asset Secuntizatin of Financid Institutim’s Nonptrformme Assents

Commercial banks non-performing assets exists in all countries, The key problem is how to deal with it. On the basis of comparison how to deal with the non-perfomning assets in USA and Japan, we can see the securitization is the trend. On the basis of analysing and comparison several different ways of dealing with bad assets, we can conclude that Asset securitization is the best way to deal with the bad assets in commercial bank.