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银行不良债权转让引发的诉讼纠纷一直受到社会广泛关注,因相关法律规定与金融政策规范性文件的冲突导致法律适用争议不断,如何在司法适用中既尊重现代民商法合同自由理念又贯彻国家金融政策,增强国有金融债权的司法保护适成为争论重要焦点,本文从分析银行不良债权的特殊性出发,剖析银行不良债权转让的现实障碍缘由,结合金融法规、政策以及2009年最高人民法院海口会议纪要确定的精神,对银行向非金融机构的法人、其它组织、自然人直接转让不良债权的可让与性进行研究.“,”Disputes and sues during the assignment of bad credit has been one of the main concerns to the whole legal society.Due to the conflicts between regulative financial policies and relative laws,there have been continuous debates on how to keep the balance by both applying the state financial policies to enhance judicial protection of state-owned financial credits,as well as showing respects to the ideas of “freedom of contract” in modern civil and commercial laws.This thesis concludes the specificities of bad financial credit by analyzing the practical obstacles,cases and theories of assignment of bad credit,then it makes researches on the feasibility of assignment of bad credit from banks to non-financial institutions by exploring relative financial laws,policies and ideas in the Haikou Minutes by Supreme People's Court (SPC),2009.