Study On Non-Performing Assets Securitization Risk Prevention Of Chinese Commercial Banks

As the first country launched non-performing assets securitization of commercial banks,the United States has become the biggest sponsor after decades of development.The United States occupies more than half of the world’s issuance of non-performing assets securitization,and plays an important role in regulating trading structure,asset management,credit enhancement and ratings of non-performing assets securitization of the commercial bank.Followed by the United States,Italy, Japan and South Korea successfully carried out a number of non-performing asset securitization of commercial banks. Asset securitization provides a new way to deal with the non-performing assets of commercial banks, and it has become the best choice in the world because of its advantage. The problem of non-performing assets of commercial banks in our country has a long history. Up to December 2015,the non-performing assets of Chinese commercial banks have reached 1274.4 billion yuan, the rate of non-performing assets is 1.67%, it is the highest record for five years and have risen by 51.25% over the past year. The disposal of non-performing assets has become an urgent need of Chinese commercial banks. With the resumption of the non-performing assets securitization of commercial banks in 2016, more and more non-performing assets will be securitized. It should not be ignored that there is risk in non-performing asset securitization of commercial banks.Measures should be taken to prevent the risk in advance so that the non-performing asset securitization can be succeeded.In this paper,I take the related theories of non-performing assets securitization as a guide,and analysis the risks of non-performing assets securitization of commercial banks in China with case analysis method,qualitative and quantitative methods and theory and practice methods.At the same time,an introduction to the foreign case of successfully preventing the risk of non-performing assets securitization is provided to offer a reference.Based on that,countermeasures of risk prevention are putting forward in order to provide a reference to the risk prevention of non-performing assets securitization of commercial banks in China.