Study On The Credit Asset Transfers And The Application Of Commercial Bank

From December 11, 2006, China has fulfilled the pledge opening the RMB service to the foreign capital bank comprehensive. If commercial banks in China want to develop in the competition, they must seek the effective method, which can enhance the fluidity, the security practically, and the profit making. So they need unceasingly to provide the new financial product to the market. This article is down searching in this realistic background learning the credit asset transfers and the application of commercial bank. It comprehensively introduced the general meaning, the principle, the utilization and the operating process of credit asset transfers. And resting on the elementary theory of credit asset transfers, basing on analyzing and profiting from the domestic and foreign experience, unifying the reality of current commercial bank and the financial market in China, it has discussed the realistic question of carrying out credit asset transfers service in present stage of China. This article multi-analysis the necessity, the advantage and the questions need to solve during commercial bank developing the credit asset transfers service, carrying on the comparison to the credit asset transfers of commercial bank with other business financing service as well as the credit asset securitization, and attempting to propose the suggestions suiting the actual situation in China and developing the credit asset transfers service, exploring a road to develop the credit asset transfers service of commercial bank in China.The full text altogether divides six parts. First part: introduction. This part mainly summarizes the selecting topic contents, the background and the significance, the present situation, the goal, the technique and the conclusion of the research and so on. Second part: outline of credit asset transfers. One, it analyzes the concept and the characteristic of credit asset transfers; Two, it introduces the overseas credit asset transfers service; Three, it reviews the development of credit asset transfers service in China. Third part: introducing the basic principle and the operating ways of credit asset transfers. Fourth part: comparing and anglicizing the relations of the credit asset transfers and the other business, introducing the credit asset transfers and the credit asset securitization with emphasis. Fifth part: the credit asset transfers case study of Industrial and Commercial Bank of China Shandong Province Branch. Sixth part: under the union analysis of present development environment in China, proposing the breakthrough point and the implementation conception of inaugurating the credit asset transfers service.