The Developmental Study On Non-performing Assets Securitization Of The Stated-owned Commercial Banks

The development of the stated-owned commercial bank and the change of the finance system are always covered by the shadow of non-performing banking asset. The stated-owned commercial bank and Asset Management Company have achieved a certain effect in the process of dealing with the non-performing banking assets. However, the situation about the non-performing banking assets in our country has not been changed totally. Asset Securitization has been recreated and one of the swiftest tools during the last 30 years. Because of the special advantage, asset securitization has been used in a lot of financial field which contains the non-performing banking asset. However, the risk seems centralized and complicated, too.Combining the methods of theoretical research and case analysis, macro-analysis and micro-analysis, qualitative research and quantitative analysis, the paper researches how to advance the development of non-performing assets securitization of the stated-owned commercial bank systemically. Firstly, on the basis of expatiating the present level of the in and out study and analyzing current situation of non-performing assets of our country, it is necessary to utilize the securitization to deal with the non-performing banking asset. Secondly, it analyzes the circulating conditions of non-performing banking asset securitization. Thirdly, the paper studies the benefits and risks of non-performing banking assets securitization specially. It is the pivot that various uncertain factors bring lost possibility and consequence to every participator in subject of non-performing asset securitization trade in terms of risk. Finally, in order to control the risk and ensure benefit to develop the non-performing assets securitization, the paper bulids the supervision system which contains the principle, the idea, the mode, the body and the law of supervision.