Research On The Legal Obstacles And Countermeasures Of The Implementation Of Non-performing Assets Securitization In China

Bad assets problem,always restricts the development of all countries in the world,including China,the banking industry,especially in our country commercial bank in the face of foreign Banks under the condition of strong shock,serious bad assets problem is extremely unfavorable to the promotion of China's banking industry competitiveness.In the practice of the disposal of bad assets,the traditional pattern of bad assets disposal was generally low efficiency,income is not high.Asset securitization as an important financial innovation model,for the majority of the banking sector provides a new train of thought.Therefore,the purpose of writing this article is,by analyzing the practice of non-performing assets securitization in China,many problems and reasons of the combination of foreign relevant industry experience,and then puts forward the countermeasures for development of the shackles of non-performing assets securitization in our country,thus to maintain the stability of financial industry in our country,enhance the vitality of the market economy,the contribution to render a.This article mainly USES the inductive analysis and comparative analysis,based on the current situation of the development of non-performing assets securitization in our country,look around the world,summarizes problems,more experience for reference,draw their own legal countermeasures.Full text is divided into four parts,the first part mainly introduces the bad assets and asset securitization related basic theory,based on which the subsequent arguments.The second part,mainly depends on careful analysis of China's legal system on the problems of non-performing assets securitization,and related problems of market mechanism.The third part,introduce the United States,South Korea and Japan in the operation of non-performing assets securitization mode and outstanding achievements.The fourth part,combined with the mentioned above,it is concluded that oneself for perfect and improve our country commercial banknon-performing assets securitization legal countermeasures.