后疫情时代银行不良资产处置创新模式研究

Research on innovative models of non-performing assets disposal in post-epidemic era

摘要

后疫情时代，全球经济复苏不均与国内结构调整叠加，银行业不良资产风险加速显性化。传统的批量转让、债务重组和司法拍卖等方式已难以满足效率与成本要求。本文基于金融风险管理与资产重组理论，分析银行不良资产处置的结构变化与趋势，探讨金融科技、资产证券化与市场化机制的创新路径。研究发现，数字化风控、数据定价与平台化流转是提升处置效率的关键，构建“科技+法务+资本”协同体系可有效提高回收率与资产再利用水平。为实现银行业高质量发展，需完善政策支持体系、强化AMC职能并推动多层次不良资产市场建设。

Abstract

In the post-pandemic era, the uneven global economic recovery and domestic structural adjustments have accelerated the emergence of non-performing assets (NPA) risks in the banking sector. Traditional approaches such as bulk transfers, debt restructuring, and judicial auctions can no longer meet the efficiency and cost requirements. This paper analyzes structural changes and trends in bank NPA disposal based on financial risk management and asset restructuring theories, while exploring innovative pathways through fintech, asset securitization, and market-oriented mechanisms. The study reveals that digital risk control, data-driven pricing, and platform-based circulation are key to improving disposal efficiency. Establishing a collaborative system integrating technology, legal frameworks, and capital can effectively enhance recovery rates and asset reuse levels. To achieve high-quality development in the banking industry, it is essential to improve policy support systems, strengthen the functions of Asset Management Companies (AMCs), and promote the construction of multi-tiered NPA markets.

关键词

不良资产 / 后疫情时代 / 资产证券化 / 金融科技 / 风险管理

Key words

non-performing assets / post-pandemic era / asset securitization / fintech / risk management

参考文献

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