摘要
我国银行业改革和发展过程中面临的重大难题使不良贷款比率居高不下。我国已经成立金融资产管理公司(AMC)集中处置不良资产和商业银行进行资产保全等,但是不良贷款比率仍然偏高。今后可以采取多元化方式处置不良资产,即再剥离一部分不良贷款由AMC按市场化方式处置,其余不良贷款由商业银行自主性处置。国家制定相关政策,完善AMC运行机制和扩大商业银行处置不良贷款自主权,加快不良资产处置进程。
Non- performing loans (NPLs) remains as a serious problem in China's banking industry reform although there are AMCs to dispose NPLs and commercial banks to proceed assets recovery. The author suggests to take diversified measures to dispose NPLs, such as to strip away some NPLs from the commercial banks and dispose in the market by AMCs, and the banks also can dispose NPLs independently. In addition, the government should set up related policies to improve AMCs operational mechanism and give the commercial banks more rights to speed up the disposing
出处
《金融研究》
CSSCI
北大核心
2004年第3期28-36,共9页
Journal of Financial Research
