The Study Of The Bank Assets Securitization

Nowadays,the bad debt in Chinese banks is in a great scale,and mainly centralized in the state-owned banks.lt is about ?0,000 billion of bad debt in the four state_owned banks.However,some international institutions estimate the number should be at least ?2,000 billion.The high proportion of bad debt has been a big problem for the healthy development of financial market and enterprises.lt has seriously affected the administration of banks and enterprises.lt is complicated to analyze the forming of bad debt.Except the objective factors such as policy,system,economic conditions etc,there are still some subjective factorsjike the poor management of banks and enterprises,the indifferdent social concept of credit.The main factors are the planning system together with the following inertia function.How to solve the problem of bad debt through asset securitization,many trains of thought to that question are discussed theoretically.There are successful practices in some foreign countries.But actually in the present circumstance of Chinese economy,! hold the view that the solution to this problem based on the aspects of our country's law,political and economical regulations,as well as the financial capacity.lt will involve the benefit adjustment and cost distribution among many social groups.Any single put-in will be in no use because of the rarity of economical resource.Also ,it will not be in favor of reconstructing the balance of national economics and setting up the implemental mechanism of market economics.Rfering to the operating processions of other countries and according to the present condition of Chinese banking field,! put forward a reforming scheme:to found the state-owned asset intermeditry institution-CLEARANCE & TRUST COMPANY OF CHINA,which is specially dealing with the bad debt,in the way of asset securitization,ecomposing the ownership of enterprises,in order to solve the problem of Chinese banks' bad debt perfectly.Postgraduate: Ma Chenguang Supervisor: Prof.Li Youhua Major: Agricultural Management...