The Study Of Commercial Bank Non-performing Asset Securitization In China

Asset backed securitization(ABS) has been the most significant and developingrapidly financial innovation tool in the world financial domain since nearly 30 yearsago, and now it has been the most popular financing way in the international capitalmarket. As a marketability financing tool, it has successful operation experience inmany countries. Handling non performing asset by using this method can reduce thehandling cost, enhance the asset returns-ratio and guard against and melt the financialrisk. It has the important significance to the current our commercial bank resolvingthe interior deposition non performing asset, deepening financial system reform,reducing the financial movement risk.According to the theories of non-performing assets securitization (NPAS):nowadays, non-performing assets has become a strong resistance of constraining thedeveloping and reforming of China's banking. Securitization, as a special disposal ofnon-performing assets, with its low-cost, structured finance, and operation has beenattended. The study of NPAS concerns not only the disposal of bad assets ofstate-owned commercial banks, but also a fully open and competitive financial sectoras a whole.In a tentative way, we construct a research system about the NPAS, Theoreticalanalysis of NPAS is by way of the jumping-off, which is the basis of our study, incurrent economic climate, the design of NPAS is built on the foundation. Therefore,we apply all kinds of indexes, through a comparative analysis to the case of NPAS inChina's commercial banks to conduct a comprehensive analysis;Primarily, we probeinto the operation process of NPAS, On the basis of constructing the system of NPAS,we try to measure it by the statistical way. Integrating the analysis of the characteristicof NPAS, the ultimate purpose of which is to find the way in the current economic andlegal environment;Using comparative analysis and quantitative analysis of theconclusions to apply research, to enhance strategic concept of NPAS implementing.