我国实行不良资产证券化的障碍与对策研究

发布时间：2018-02-28 13:41

本文关键词： 不良资产资产证券化特殊目的载体信用增级　出处：《南昌大学》2017年硕士论文　论文类型：学位论文

【摘要】：不良资产问题,一直对世界各国银行业的稳定发展存在严重威胁,而我国商业银行在面对外资银行强势冲击的情况下,不良资产问题对我国银行业带来的冲击就更为巨大。在处置不良资产的实践中,传统的不良资产处置模式普遍表现出的是效率低、收益不高。资产证券化作为一种重要金融创新模式,为银行业解决不良资产问题提供了一种新的思路。但是由于我国在金融法律规范体系和证券金融市场发展的还不够成熟和完善,资产证券化手段在处理我国不良资产问题上还存在许多障碍。所以,本文的写作目的就在于,通过分析我国不良资产证券化实践中存在的诸多问题以及原因,结合国外相关行业的经验成果,进而提出适合我国的有关解决不良资产证券化发展障碍的法律对策,从而为保持我国金融行业稳定,增强市场经济活力,贡献一份绵薄之力。本文主要运用了归纳分析法和比较分析法,立足于我国不良资产证券化发展现状,放眼世界,归纳总结问题,比较借鉴经验,得出自己的法律对策成果。全文分为四个部分,第一部分主要介绍不良资产和资产证券化相关的基础理论,以此为基础进而展开随后的论点。第二部分,主要在于细致分析我国不良资产证券化存在的法律制度上的问题以及相关市场配套机制上存在的问题。第三部分,介绍美国、韩国和日本在不良资产证券化的运作模式和突出成就。第四部分,结合前文所述,得出自己对于完善和改进我国商业银行不良资产进行证券化处置的法律对策。
[Abstract]:The problem of non-performing assets has always posed a serious threat to the stable development of the banking industry in the world. However, in the face of the strong impact of foreign banks, the commercial banks in our country are facing a strong impact. In the practice of dealing with non-performing assets, the traditional mode of disposal of non-performing assets generally shows that the efficiency is low. Asset securitization as an important financial innovation model, It provides a new way of thinking for the banking industry to solve the problem of non-performing assets. However, the development of China's financial law system and securities financial market is not mature and perfect. There are still many obstacles in dealing with the problem of non-performing assets in China by means of asset securitization. Therefore, the purpose of this paper is to analyze the problems and reasons in the practice of non-performing asset securitization in China. Combined with the experience and achievements of foreign related industries, this paper puts forward some legal countermeasures suitable for China to solve the obstacles to the development of non-performing asset securitization, so as to maintain the stability of China's financial industry and enhance the vitality of the market economy. This paper mainly uses inductive analysis and comparative analysis, based on the current situation of non-performing asset securitization in China, looking at the world, summing up the problems, comparing experience, The thesis is divided into four parts. The first part mainly introduces the basic theories of non-performing assets and asset securitization, and then develops the following arguments. It mainly lies in the detailed analysis of the problems in the legal system of non-performing asset securitization in China and the problems existing in the relevant market supporting mechanisms. The third part, the introduction of the United States, South Korea and Japan in the non-performing asset securitization operation model and outstanding achievements. 4th part, combined with the above mentioned, get their own legal countermeasures to perfect and improve the non-performing assets securitization disposal of commercial banks in our country.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.51

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