An Research Of Credit Asset Securitization Of Commercial Bank

The tendency of commercial bank is one of the most important finance innovations in the domain of west commercial banks. It has been paid more attention by both the field of theory and the field of practice. Asset securitization is a course that medi-organization create and deal with funds. In another words, it is the course that financial machineries gather their financial assets selling to the special vehicle whose only purpose is securitization. And the special-purpose vehicle sell these assets to investors in assrts market and currency market through warranty and credit enhancement. Asset securitization has strong life force because it is a technology that combine the operations of banks with asset market. In reality, it can not only help banks of china selling increment mal-loans ,but also introduce a mutual machanism that exo-investors can supervise the managements of banks which contribute to enhancing the disciplines of credit and reducing the risk.At present, asset securitization overseas developed comparative maturity, but in China, it has a short history and almost is in buddding plight now. With the development of stock market in china, asset securitization will quicken it's speed of development of necessity. The research domestic on credit asset securitization lag behind the parctice in market, and it mainly focus on mortgage-backed asset securitization in real estate which operated relatively frequent in practice. As we know, mortgage-backed asset securitization is only a small share of credit asset securitization in commercial banks yet. For this reason, the research on this task has signality towards the pefecting of theory and practice's in China. This article begins with the background of asset securitization's provenance, introduce in detail the rule of asset securitization, the qualifications with which credit asset can be securitied. Thereout we combine with the practice in China, educe the project of how to design asset securitization and table some corresponding proposals on existent problems.This article embodies the theory of asset securitization into the exploring of credit asset securitization in commercial banks. After analysis of external actuality and the risk in income, we will enduce the material credit asset securitization model. This model can better guide our practice in reality than ever.