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21世纪以来,我国的经济呈现中高速增长。国民经济快速发展的新常态同时使得许多问题暴露出来,其中之一就是由于经济结构转型导致的生产过剩企业破产而产生的不良贷款明显增加。据中国银行监督管理委员会2017年2月22日发布的《商业银行主要指标分机构类情况表(2016)》显示,大型商业银行的不良贷款率四个季度平均约为1.69%。同比2015年的上涨了0.18%。(如图1)面对不良资产的增长,银行的盈利基础被削弱,银行急需一种化解金融风险、稳定银行经营的不良资产处置办法。不良资产证券化应运而生。
Since the 21st century, China’s economy has shown rapid growth. The new normal of the rapid economic development at the same time exposes many problems. One of them is the notable increase in non-performing loans due to the bankruptcy of overproduction enterprises caused by the economic structural transformation. According to the “Status Quo of Major Sub-Institutions of Commercial Banks (2016)” released by the Bank of China on February 22, 2017, the average non-performing loan ratio of large commercial banks averaged about 1.69% in four quarters. Up 0.18% over the same period of 2015. (See Figure 1) Faced with the growth of non-performing assets, the profit base of banks is weakened. Banks are in urgent need of a solution to address financial risks and stabilize the non-performing assets of banks. Non-performing asset securitization came into being.