一、目前我国利用证券化途径处理国有商业银行不良信贷资产的状况资产证券化的本质意义在于充分利用证券的可流通性特点,将流动性差的资产转换为可流通的证券,通过提高资产的流动性以有效规避流动性风险。当银行体系出现困难时,一般都表现为不良信贷资产扩大,资金周转缓慢,说明银行作为信用中介机 First, the current state of our country using the securitization of state-owned commercial banks to deal with bad credit assets The essence of asset securitization is to make full use of the characteristics of the liquidity of securities, the illiquid assets into negotiable securities, by increasing the flow of assets In order to effectively avoid liquidity risk. When there are difficulties in the banking system, it generally manifests as the expansion of bad credit assets and the slow cash flow, indicating that banks act as credit intermediaries