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新常态下,中国经济增速放缓、微观企业纷纷调整其资产结构,银行不良贷款余额和不良贷款率在波动中持续上升,我国经济增进速度正处在由高速向低速转型升级的时期。2015年11月中央提出的“供给侧结构性改革”为商业银行不良资产的处理发掘出了一条新的道路。现阶段,利率市场化改革已基本完成,金融监管越来越完善严格,新兴金融业的发展也蒸蒸日上,与此同时对商业银行资产管理模式也提出了新的要求,其中对不良资产的处理显得尤为重要。本文从供给侧改革带来的经济意义出发,分析了商业银行不良资产证券化现实状况,并论述了在此背景下不良资产证券化的方式上出现的新时机,给出了适当的政策建议。
Under the new normal, the economic growth of China slowed down. The micro-enterprises adjusted their asset structure in succession. The non-performing loan balance of banks and the non-performing loan rate continued to rise in the fluctuation. The rate of economic growth of our country is at a period of transition from high speed to low speed. In November 2015, the “structural reform on the supply side” put forward by the Central Government uncovered a new road for handling the non-performing assets of commercial banks. At this stage, the market-based interest rate reform has been basically completed, the financial supervision is more and more perfect, and the development of the emerging financial industry is also booming. At the same time, new requirements have also been put forward for the commercial bank’s asset management model. The treatment of non-performing assets appears Particularly important. Based on the economic significance brought by supply-side reform, this paper analyzes the current situation of non-performing assets securitization in commercial banks, and discusses the new opportunities emerging in the way of non-performing assets securitization under this background and gives appropriate policy recommendations.