Reduce The Banks' Bad Assets Securitization Model Study

With the beginning of connection of economy increasing and innovation activities, to tackle the problem properties in banks with the usage of finance innovation (Asset Securitization), this article puts forward the thought constructing a efficient financial support system. First of all, the article has a complete introduction of Asset Securitization including the definition, its origin, operation process, theories applicated and all the economic function it owns. Then the article takes focus on the problem to reduce the huge sum of problem properties stocked in the banks of our country.Now since tackling the problem properties has a relation to the finance stability and economy development, and the traditional treatment is no "efficient" at the same time, looking for the new and valid treatment method seems to be necessary. For Asset (problem properties backed) Securitization-- a thing introduced from abroad, the article compares analyzing twokinds of standpoints that exist in the theory fields, joining its own analysis, draws the conclusion that Asset (problem properties backed) Securitization is necessary and feasible in our country.On the foundation of theory commons and success modes which come from domestic and international, the article launches the theory study in Asset (problem properties backed) Securitization. The theory analysis of the article takes a dynamic equilibrium of supply and demand business as model frame. Aim is to make full use of the economics theory of supply and demand to enlarge Asset (problem properties backed) Securitization business and spur the trade-off construction mature. On the aspect of supply", the article speaks of property rights reform, system changes, the construction of law and system structure; On the aspect of "demand", the article talks about maturing the capital markets and attracting different investors. And the analysis in each field the article connecting the actual development in regional economy puts forward its own views and policy opinions.In the textual 5th part, the article carries through the project designs for Asset (problem properties backed) Securitization. The project designs are made according to the analytic speculation above, and can be divided into two kinds, four structural parts. Specific speaking, those contents cover assets pooling, setting up Special Purpose Vehicle(breviary SPV), the design for security products, credit rating and credit increasing etc. The operation process of Asset (problem properties backed) Securitization embodied apparently the various standpoints that the article mentioned.In textual conclusion part, the article takes a view on tackling the bank problem properties again. This time, some complement solutions are given. The final idea of the article same as the beginning, the full article makes a knot in the end by arousing finance development with the financial innovation activities, to realize a long period economy increasing.