Study On Non-performing Commercial Banks Assets Securitization

The history of assets securitization was already nearly 40 years, the United States in the 1980s disposed of commercial banks bad asset by it, the innovation is very effective in the dispose of commercial banks bad asset to be proved by practice, and it was widely used in various countries.After China's reform and opening up, because of too much focusing on the economic development speed, while neglecting the safety of China's financial system, commercial banking system generated huge non-performing bank assets and serious threat to security of China's financial system. With joining in the WTO and gradually opening the capital market, dispose of commercial banks bad assets to become the most important issue of China's banking reform. This article explored the general pattern of the non-performing asset securitization of commercial banks, and analyzed the core issues in the non-performing bank asset securitization, combined with actual cases and the experience of foreign countries, answered this question that China's commercial banks should be how to conduct securities of non-performing assets, and then make relevant policies recommendations. This article is conducive for the non-performing commercial banks assets securitization to carry out smoothly in the future.