Research On The Securitization Of Non-performing Assets Of My Country's Commercial Banks Under The Background Of The New Economic Normal

In recent years,China's economy has entered a state of slow growth.Under such an economic background,the total amount of non-performing assets of China's commercial banks has increased year by year,making it increasingly difficult for commercial banks to dispose of non-performing assets.This article attempts to analyze the characteristics of the "new normal" of the economy,expounding the causes,current conditions,difficulties,and existing major disposal methods of bad assets,and summarizing the advanced experience of countries in handling bad assets of commercial banks.Through the analysis of the disposal of non-performing assets in commercial banks in recent years,it is proposed that the nonperforming asset securitization will accelerate the major role and far-reaching impact of the disposal of non-performing assets of commercial banks in China,invigorating assets,and releasing bank asset risks.At this stage,we should attach importance to the securitization of non-performing assets of commercial banks.We must make full use of financial innovation measures to strengthen risk prevention,strengthen financial supervision,and improve the operational model of bad assets securitization in commercial banks in China.Based on the theoretical research on commercial bank non-performing asset securitization,the corresponding countermeasures are proposed,which have certain theoretical and practical significance for the implementation and promotion of commercial bank non-performing asset securitization.This article first introduced the status of non-performing assets of China's commercial banks and elaborated relevant theories of asset securitization.After discussing the scale and causes of the formation of non-performing assets of commercial banks,the methods for handling various non-performing assets of commercial banks in China were compared.Summarize the effective way to deal with non-performing assets is the securitization.Based on the analysis of China's current national conditions,conduct a feasibility analysis on it,and the difficulties and constraints that will be faced by the implementation.China's actual case studies will be used to study its model in the implementation process.And operation.Analyze the various risks faced by China's commercial banks under different asset securitization transactions and provide suggestions for China's commercial banks to deal with non-performing assets in terms of risk prevention,credit system,system construction,and personnel training.At this stage,on the basis of strengthening the traditional approach,China's commercial banks must continue to innovate in the disposal of non-performing assets and implement a series of comprehensive disposal plans to accelerate the pace of nonperforming asset securitization.