不良贷款证券化

因此，法律关系清晰、风险隔离效果良好的真实出售模式是今后AMC开展不良贷款证券化的最佳选择。

Therefore , the authors point out that true sale is the best pattern for AMC 's NPLS in the future .

本文通过案例分析发现，我国AMC不良贷款证券化选择参与模式有其现实的必然性，政府隐性担保与融资结构的改善是这一选择的出发点。

Based on cases analyses , the authors conclude that in China AMC 's choice of participation for non-performing loans securitization ( NPLS ) is inevitable , which government 's latent assurance and improvement on AMC 's financing structure are the springboard for the choice .

不良贷款证券化已经成为化解商业银行不良贷款的有效途径之一。

It also has become one of the efficient ways to solve the non-performing loans .

接着通过分析国外不良贷款证券化发展趋势以及具体做法，提出了几点启示；

Then the author analyses the overseas development tendency as well as the overseas concrete procedure of non-performing loans securitization , proposed several enlightenment ;

提出不良贷款证券化、不良资产出售、签订资产管理合同、债权转股权等方式是农村信用社应借鉴的不良贷款处置方式。

We can proposed the securitization of bad loans and the selling of bad loans , making the contract entered into asset management , debt to equity , etc. It is the way the rural credit cooperatives should draw on the disposal of bad loans .

这些将推动我国金融市场走向成熟，同时也为将来其他银行对不良贷款采取证券化的管理方式提供借鉴。

These will promote the maturity of Chinese financial markets , at the same time , these will provide reference for other banks when they carry out asset securitization for bad loans in the future .