贷款债权转让与近年来逐步盛行于欧美的银行资产证券化一样,是目前欧美银行转化其信贷资产中已有风险,重新调整银行资产组合,以及处理坏账的流行手段。而银行贷款债权转让方式更由于它对资产标准化计量和标准化条款方面的非限制性,在我国有着更广泛的适应性和现实意义。 Like the asset securitization of banks in Europe and the United States, which are gradually prevailing in recent years, the transfer of loan claims is now a popular measure for the banks in the United States and the United States to convert their credit assets to risk, readjust the bank’s asset portfolio and handle bad debts. The way of transfer of creditor’s rights of bank loans is more extensively adaptable and practical in our country due to its non-restrictive standardization of assets standardization and terms.