Study On Risk Control Of Non-performing Asset Securitization Of Commercial Banks In Our Country

In the late 80s of 20th century, the United States created a precedent for non-performing asset securitization to deal with a large number of non-performing assets of the banking and has achieved great success. From the experience of foreign commercial banks dealing with non-performing asset securitization, that is an important way for commercial banks to solve the problem of bad assets of banks. Asset securitization play an important role not only to the implementation of non-performing asset securitization is, but also the international financial mixed results.Theoretical research and time have proved, by means of securitization to deal with bad assets, not only can speed up the progress of the disposal of non-performing assets and improve the efficiency of asset disposal, can also promote financial innovation, rich in financial products, to accelerate the further development of capital markets. For the banks, securitization approach can expand its business and the accumulation of operational experience in the capital market, which will greatly benefit the banks and increase the competitiveness of the smooth development of the financial system.Asset securitization is a double-edged sword, it can become a risk management tool, can also become a tool for speculation. The use of appropriate risk management can be a weapon; used properly, may trigger a chain reaction, or even to the great risk of the financial system, so it contains the risk of the need for accurate assessment and control. In 2007 the U.S. subprime mortgage crisis, commercial banks made aware of the use of asset securitization in the way of dealing with bad assets, while focusing on the risk of non-performing asset securitization strict control.In the structure of this thesis is divided into six chapters. The first chapter is the introduction, this study focuses on the meaning and background of research status and research contents and methods; second chapter is a commercial bank non-performing asset securitization theory basis, pointed out that the existence of non-performing assets of commercial banks, and then compare foreign and domestic commercial banks dealing with the means of non-performing assets reached the superiority of the way of asset securitization; third chapter is the asset securitization in China's commercial banks use to dispose of bad assets, the securitization of housing mortgage loans, credit card receivables securitization and auto loan securitization representatives specifically addressed; fourth chapter is non-performing assets of commercial banks in the securitization of risk analysis, described by one mortgage securitization, securitization of credit card receivables, auto loan securitization face risk; Finally, careful analysis of the risk on the basis of their relevant risk control measures proposed.