The Risk Management Research Of Securitization Of Credit Assets In Rural Commercial Bank

Finance industry is quite important to national economy. Commercial banking is the most important part in finance industry to our country and to Euro Mainland, whose economic system are so similar to each other. After when China became part of WTO, the finance section is becoming more and more open and accommodated, not regarded the acceptance of the whole market and the operation of finance subjects. Under the circumstances, making the commercial banking in China healthier and stronger is the main topic in China.Credit asset is one of the most profitable tool in commercial banking system. At the moment, credit asset of banking in China now has severe structural problems. For instance,resources concentrate in minority companies. Gross number of bad loans increase gradually since 2013. Loan went focus on real estate, local government finance projects. These problems not only affect the liquidity and asset security of commercial banks in China, but also became the result of the lack of market innovation and competition. Therefore, to get rid of homogeneous competition, to increase liquidity, Chinese commercial banks are going to learn how to use asset securitization from European and American systems.This paper first discusses the changes in the banking system in China, analyses unreasonable performance of the asset structure of credit and conductsthe analysis of commercial banks' present situation and four ideas of credit asset securitization research..Then elaborate the significance and effect of securitization, mainly focused on the steps of securitization, including credit rating, securitized assets sales, etc. After that, we analyze the risk management in commercial banking system with securitization according to real problems in real life on the base of the successful experience of UK,US and other major western countries in terms of commercial bank credit assets securitization development history. Finally, we proposes solutions from the commercial bank asset securitization risk management and the national macroeconomic policy level respectively, especially for the particularity of rural commercial bank credit assets, its risk prevention should be highly valued.The innovation points of the thesis is the combination of rural commercial bank credit asset securitization theory, developed countries' successful experience and our country's current situation. The analysis is consisted of both theoretical support and referencecases.Considering the above there are two suggestions concluded, strengthening government macro policies, laws and regulations, system construction; strengthen the securitization of rural commercialbank risk prevention.