The XY Bank Credit Asset Securitization Product Risk Management Research

Because asset securitization has two sides since the date of birth, both positive and negative side, so it is necessary for us to study the risk in the process of asset securitization, the risk of credit asset securitization in our country is facing, to provide guidance for the development of credit asset securitization in our country the.Firstly, the purpose and significance of this research at home and abroad as well as related to the content of the study of the related research literature describes, then the related theory of credit asset securitization and risk management as the basis, to the current XY bank credit asset securitization product design risk management plan before and after analysis, draw the corresponding description of the problem, according to the content of the XY bank credit asset securitization products design and risk management framework. The research methods of this paper include:(1) the theoretical analysis and practical research combined. Based on a lot of theoretical research and analysis, combined with China’s actual conditions, put forward the risk of XY before and after the bank credit asset securitization product design control strategy; (2) summary of the combination of inductive and deductive reasoning. The risk of XY before and after induction of bank credit asset securitization product design, the use of scientific, dialectical view of risk control problems were analyzed, and using the method of deductive reasoning in the proposed risk control suggestion.Describes the status quo of XY before and after the bank credit asset securitization product design, risk management, combined with the government and banks themselves in the direction of the development of demand, detailed analysis of the corresponding target, and on the basis of problem analysis, finally puts forward the countermeasures and suggestions to meet the actual development of XY bank, so as to provide reference for optimizing XY bank credit asset securitization product design and risk management. The key achievements of this study are summarized as follows:Based on the current status of design and risk management of XY bank credit asset securitization products analysis, combined with the current risk of asset securitization, the current part of the product design optimization ideas, and the risk management measures were improved, based on the understand the credit asset securitization of bank XY risk, reasonable design of its own products and avoid the asset securitization, not only puts forward the guiding ideology for the optimization of product design of XY bank, but also to carry out work to avoid other asset securitization pilot bank risk has important reference significance.