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化解了风险,值得深思。一方面,它确实释放了信贷空间,增强了银行支持实体经济的能力;但另一方面,若前端风控未能同步强化,仅靠后端批量转让来“优化”报表,可能掩盖真实的资产质量问题,形成“边清边冒”的不良贷款恶性循环。此外,信托公司等受让方能否有效管理如此庞大的分散型不良资产,也存在操作与回收效率的挑战。  更深层次的问题还在于,银行在追求规模扩张时,是否真正建立了与之匹配的风险定价与客户识别能力?当

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