商业银行不良资产证券化的问题与对策

本科论文摘 要随着经济不断发展，银行业规模迅速扩大，但商业银行的监管和相关制度建设相对滞后，导致商业银行的不良资产量持续增加，不良资产率一路飙升。本文通过分析我国商业银行不良资产证券化的整体状况，发现存在的诸多不利因素，并且深入探究阻碍因素出现的内在原因，以问题为导向，致力于提出安全稳健的促进商业银行不良资产证券化的有效对策。一方面要找准现阶段我国商业银行不良资产证券化过程中暴露的问题，千方百计采取有效措施化解不良资产证券化的问题；另一方面希望通过研究商业银行不良资产证券化的课题，进而提出一些针对性的建议，为今后相关人员研究商业银行不良资产证券化提供借鉴，对我国商业银行不良资产证券化的发展起到极大地推动作用。关键词：不良资产证券化，商业银行，资产质量本科论文AbstractAt present, China's economy is developing rapidly and the scale of banking industry is expanding rapidly. However, the supervision and related system construction of commercial banks are relatively lagging behind, which leads to the continuous increase of non-performing assets of commercial banks and the soaring rate of non-performing assets. This paper analyzes the overall situation of the bad securitization of China's commercial banks, finds out the existence of a number of adverse factors, and probes into the internal causes of the hindering factors, taking the problem as the guide, we are committed to putting forward safe and sound countermeasures to promote the bad securitization of commercial banks. On the one hand, by analyzing the problems existing in the current securitization of commercial banks, we can further effectively alleviate the problems of the securitization; on the other hand, we can put forward some pertinent suggestions, it is hoped that this paper can be used as a reference for the future research on the securitization of commercial banks. The study of the problem of securitization in commercial banks will...