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不良资产证券化不仅可以实现我国商业银行不良资产处置之效用,更是打通商业银行不良资产处置的一条新渠道。近年来,我国经济增长趋于放缓,总体需求不足且结构性产能过剩,实体经济运行愈发困难。在这样的经济背景下,银行业的不良贷款问题凸显。截至2016年第三季度,我国银行不良贷款余额达到14939亿元,已经是自2011年第四季度以来的第20个季度上升;银行业不良贷款率升至1.76%,不断逼近2%的警戒线。与此同时,银行业关注类贷款余额升至34770亿
The non-performing asset securitization can not only realize the effectiveness of non-performing assets disposal of commercial banks in China, but also open up a new channel for the disposal of non-performing assets of commercial banks. In recent years, the economic growth of our country tends to slow down, the overall demand is insufficient, and the structural excess capacity leads to the more and more difficult operation of the real economy. In this economic context, the problem of non-performing loans in banking is highlighted. As of the third quarter of 2016, the non-performing loan balance of China’s banks reached 1.4939 trillion yuan, an increase from the 20th quarter of the fourth quarter of 2011; the non-performing loan ratio of the banking industry rose to 1.76%, approaching 2% of the warning line . At the same time, the balance of bank loans of concern rose to 347.7 billion yuan