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近年来,一些人提出,农村合作金融机构(以下简称农合机构)应运用资产证券化的方式化解不良贷款。因为资产证券化的一个重要作用在于规避风险,增加资产的流动性,释放资本,以从事具有更高边际收益的项目。但笔者认为,资产证券化并不是化解不良贷款的最佳选择。
In recent years, some people have suggested that rural cooperative financial institutions (hereinafter referred to as rural cooperative institutions) should use asset securitization methods to resolve non-performing loans. Because asset securitization is an important role in risk aversion, increase the liquidity of assets, release of capital, in order to engage in projects with higher marginal revenue. However, in my opinion, asset securitization is not the best choice to resolve non-performing loans.