新形势下商业银行不良资产证券化可行性分析

【摘  要】疫情防控期间，不良资产数目与不良贷款率持续走高，我国商业银行对于不良资产证券化的呼声日渐高涨，对于不良资产证券化是否可行这一问题尚需分析。论文首先对不良资产证券化中存在的问题进行探究，随后分析其在商业银行处理不良资产中的可行性，最后对我国不良资产证券化提出一些建议。

【Abstract】During the period of epidemic prevention and control， the number of non-performing assets and non-performing loan ratio continued to rise， and the voice calling for the non-performing assets securitization by China's commercial banks is rising day by day. The problem of whether the non-performing assets securitization is feasible still needs to be analyzed. This paper firstly explores the problems existing in the non-performing assets securitization， and then analyzes its feasibility in commercial banks dealing with non-performing assets. Finally， this paper puts forward some suggestions for the non-performing assets securitization in China.

【關键词】疫情;不良资产证券化;可行性

【Keywords】epidemic; non-performing assets securitization; feasibility

【中图分类号】F832.4;F832.5                                             【文献标志码】A                                                 【文章编号】1673-1069（2021）04-0176-02

1 不良资产证券化的相关理论

1.1 不良资产证券化概述

商业银行的不良资产主要是指不良贷款，指的是无法按期按量回收本息的贷款。（剩余3064字）

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