| In recent years, the economic developed rapidly and the banking scale expanded unceasingly, especially after the financial crisis, the government's economic stimulus package with the issued and implemented, the bank credit and asset scale rised rapidly, capital of pressure have emerged, banks begin to release the subprime dense. Our country commercial bank since 2003, issued by the end of 2009 deadline subordinated debt issuance has accumulated subprime scale is about 53 billion yuan. Through the investigation of commercial Banks in China, only the subprime financing is to improve the capital adequacy of risk management, not given full attention, but according to the subprime market, foreign experience is not only the capital financing market, but also the the market restraint function, improve the regulatory efficiency.Based on the subordinated debt financing of commercial Banks in China as the research object, in the first part , author bring out the definition of the subprime ,then reviewe related theory of subprime, including the subprime mechanism design and pricing principles and market restraint mechanism, The second part thoroughly analyzed positive effect and negative effect of subprime financing in commercial banks, In the third part of the first through the elaboration of commercial Banks in China of subordinated debt financing practice, mainly including background of subordinated debt financing in our country, institutional arrangements and the present situation, and then elaborated on China's commercial bank financing problems, in the fourth part, after introduce the issued situation of in America and Europe, summarized the situation of our country's commercial Banks issued subprime revelation, The fifth part, on the basis of the above analysis, combined with the practical situation of commercial Banks in China from the subprime product design, market environment, and puts forward the countermeasures to improve supervision, etc. |
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