Study On Processing Model Of Securitization Of Folk Credit Bad Assets And Analysis Of Related Legal Issues

Since the reform and opening up, rapid economic growth in China for the last thirty years,folk also accumulated great wealth. Idle capital seek away round,while major banks focus their attention on large and medium-sized enterprises. Therefore, the alliance of private capital and small and medium-sized enterprises becomes inevitable and rampant.In recent years, The country’s financial policy is also in constant reform, Shandong financial try and walk in the forefront of the country. A large number of private capital appear to Guarantee corporation status, Pawn, Investment company or Asset Management company.But behind this, most are engaged in private lending business.Until now, the scale of folk debit and credit has become amazingly large. The single sum of credit could have reached tens of millions. In contrast to the scale, the capability of risk control is still lagging far behind. Random high sum credit brings enormous bad assets. One of the backwardness of our financial system is the singleness of bad assets processing model. Bad debt once appear, fixed assets normally way is to look for the debtor for attachment, assessment and Auction.If the defendant intentionally delayed, Two years are difficult to solve.Therefore, it is of vital importance to process bad assets with more diverse methods.The bad assets securitization is one of the most important invention in the financial field.It Enhanced liquidity, prevent the large number of funds precipitation, obtain the good result in some countries American etc.At present, research in this area is still in order to digest the non-performing assets of banks.This paper is mainly to explore produced in the process of treatment of folk loan bad assets by way of AssetSecuritization.This paper first conducts the research to the securitization of non-performing assets of the domestic and foreign research present situation,then it discusses the general mode of operation of the non-performing assets securitization in our country.Then analyzed the folk lending non-performing assets securitization characteristics.And then put forward the conception of folk lending non-performing assets securitization for processing.In addition,also described we should to improve the relevant legal, institutional construction to promote the securitization of non-performing assets.This paper is divided into six chapters,the contents are as follows:The first chapter is Introduction,Including the significance of the selected topic,Review of research status.The second chapter is China’s non-performing asset securitization participation main body and the operation procedure.The third chapter is Folk lending non-performing assets securitization characteristics.The fourth chapter is The conception of folk loan program produced by the non-performing assets securitization operation.The fifth chapter is On the legal system of China’s Non-performing Asset Securitization.The sixth chapter is The construction of the legal system of securitization of non-performing assets and improve.The seventh chapter is Conclusion and Prospect.