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随着国有商业银行改制上市步伐的加快,降低不良资产率日益迫切。与此同时,四家国有金融资产管理公司处置剩余8600亿元不良资产的难度也越来越大。如何高效处置不良资产,已成为摆在这些金融机构面前的迫切问题。在此背景下,许多人开始研究国外不良资产证券化的成功案例,把不良资产证券化当成灵丹妙药,多家金融机构都在酝酿自己的不良资产证券化方案。但在我国,由于国情不同,不良资产证券化应慎之又慎。
With the acceleration of restructuring and listing of state-owned commercial banks, there is an increasing urgency to reduce the rate of non-performing assets. At the same time, it is also more and more difficult for the four state-owned financial asset management companies to dispose of the remaining 860 billion yuan of non-performing assets. How to effectively deal with nonperforming assets has become an urgent issue facing these financial institutions. In this context, many people began to study the successful cases of foreign non-performing assets securitization, the non-performing asset securitization as a panacea, many financial institutions are brewing their non-performing asset securitization program. However, in our country, due to the different national conditions, the non-performing assets should be cautious.