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我国的金融资产管理公司(AMC)是为防范金融风险,最大限度保全资产、减少损失,促进国有银行和国有企业的改革而成立的。成立金融资产管理公司是各国在处置其银行不良资产的实践中普遍采用的方式。各国的经验均表明,相应的法律支持是资产管理公司运作成功的重要基础。与之相比,我国金融资产管理公司的法制进程则显滞后。当前,AMC的运作中还存在着法律风险、经营风险和道德风险,应采取适当措施化解以上风险。从我国的现实情况看,AMC还将存在较长一段时间。
China’s AMC is established to prevent financial risks, maximize assets, reduce losses and promote the reform of state-owned banks and state-owned enterprises. The establishment of a financial asset management company is a common practice in the practice of all countries in handling the non-performing assets of their banks. The experience of all countries shows that the corresponding legal support is an important foundation for the successful operation of asset management companies. In contrast, the legal process of China’s financial asset management companies lags behind. At present, there are still legal risks, operational risks and moral risks in the operation of AMC. Appropriate measures should be taken to resolve the above risks. From the reality of our country, AMC will exist for a long period of time.