Research On The Securitization Of Non-performing Assets Of Commercial Banks In China

Since 2010,the balance of non-performing assets and non-performing assets of commercial banks in China have shown a trend of continuous growth.The problem of non-performing assets of commercial banks has become more and more serious.The bad assets of commercial banks not only affect their own liquidity and profitability,The bad assets will also affect the security of commercial banks,and even the entire financial system will bring risks and turbulence.The implementation of securitization of non-performing assets is one of the ways to deal with the bad assets of commercial banks.It can obviously improve the operating status of commercial banks and improve the profit level of commercial banks,and to a certain extent,to resolve the risks of commercial banks and financial systems.Therefore,it is of great significance to explore the market-oriented approach of non-performing assets and accelerate the development of securitization of non-performing assets by studying the non-performing assets securitization of commercial banks.This paper reviews the development process of securitization of nonperforming assets in China and introduces the current situation of C hina's commercial banks' securitization of non-performing assets.In 2016,six commercial banks participating in the pilot countries actively responded to national policies and introduced their own bad assets securities Products.However,there are still many obstacles in the non-performing asset securitization of commercial banks in C hina,including internal factors such as difficulty in pricing,difficulty in rating and so on.It also includes external factors such as lack of liquidity of bad asset securities and perfect accounting treatment.Which are hindering the smooth operation of the pilot work of the bad asset securitization of commercial banks in China.This paper analyzes the project of the first phase of the non-performing asset-backed securities in the year of the year 2008-1 and the first phase of Zhongyu's 2016,and proves the improvement of the operation of the commercial bank by the case analysis.Out of the corresponding experience of inspiration.Finally,the author puts forward some countermeasures and suggestions on how to promote the development of non-performing assets securitization of commercial banks in China.