摘 要
本文概述了不良资产的定义、特征及分类标准，并探讨了其对金融体系的影响，包括偿付能力下降、经济增长放缓及资金配置效率降低等。针对金融资产管理公司在不良资产处置中面临的问题，如证券化工具应用不足、债转股工具运用受限、债券市场规模小及专业人才匮乏等，本文提出了优化策略。这些策略包括利用大数据信息技术手段提高处置效率，完善配套措施以支持不良资产处置的顺利进行，扩大市场规模以增加处置渠道，以及引进外部人才提升专业处置能力。本文旨在为金融资产管理公司提供有效的不良资产处置策略，以促进金融市场的稳定和健康发展。
关键词：金融资产 不良资产 处置方式
Abstract
This paper summarizes the definition, characteristics and classification criteria of non-performing assets, and discusses their impact on the financial system, including declining solvency, slowing economic growth and reduced efficiency of capital allocation. In view of the problems faced by financial asset management companies in the disposal of non-performing assets, such as insufficient application of securitization tools, limited use of debt-for-equity swap tools, small scale of bond market and lack of professionals, this paper proposes optimization strategies. These strategies include using big data information technology to improve disposal efficiency, improving supporting measures to support the smooth disposal of non-performing assets, expanding the market size to increase disposal channels, and introducing external talents to improve professional disposal capacity. This paper aims to provide effective bad asset disposal strategies for NAMCs to promote the stable and healthy development of the financial market.
Keywords: Financial assets non-performing assets disposal methods
目 录
一、引言 1
二、不良资产相关概述 1
（一）不良资产的定义 1
（二）不良资产的特征 1
（三）不良资产的分类标准 2
三、不良资产对金融体系的影响 2
（一）偿付能力下降 2
（二）经济增长放缓 2
（三）资金配置效率降低 3
四、金融资产管理公司不良资产处置中的问题 3
（一）证券化工具应用不足 3
（二）债转股工具运用受限 3
（三）债券市场规模小 4
（四）专业人才匮乏 4
五、金融资产管理公司优化不良资产处置的策略 5
（一）利用大数据信息技术手段 5
（二）完善配套措施 5
（三）扩大市场规模 5
（四）引进外部人才 6
六、结论 6
致 谢 7
参考文献 8
