Research On Chinese Securitizition Of Consumer Credit

Consumer credit is a kind of retail operation of commercial banks. It means that loans are provided for consumers themselves to buy consumer products, which can be, used for a long time and others expenses. For lately several years, because consumption abilities of people are raised and consumption concept of people is changed, consumer credit is developed rapidly. The article first introduces practice experiences of other countries; then according to facts of our country, discuss feasibility of use of securitizition in consumer credit and design the basic flow of securitizition of asset in consumer credit. Finally, the article analyzes problems of securitizition of asset in consumer credit of today. At the same time, the author gives some pieces of advice.There are three parts of this article. According to mode of "bring question, analyze question and solve question" and theory combining practice, author researches the question of securitizition of asset.In the first part, the author introduces content of consumer credit, most characters and restricts factors of consumer credit in our country. Then, the author analyzes risks of consumer credit of banks and puts forward theme of the article, which is that securitizition of asset is an effective approach to solve problems in development of consumer credit. In the second part, the author introduces meanings, characters and operation mechanism of securitizition of asset. After using history, actuality and tendency of securitizition of asset external for reference, the author analyzes feasibility of securitizition asset of consumer credit and designs basic flow of securitizition of asset. It's the keystone of this article. In the third part, the author analyzes problems of securitizition in current background of our country and gives some pieces of corresponding advice.