A Study On The Impact Of Commercial Bank's Securitization On Commercial Performance

Assets securitization began in the 1970 s,and then it has made rapid development in the whole world.When Chinese banks are in business activities,they usually face the following questions: poor liquidity,low capital adequacy ratio,the source of funds too single.,credit asset securitization as a new type of financial instruments,can provide some new solutions to these problems.At the end of 2005,China started the pilot project of securitization of credit assets.China Construction Bank and China Development Bank were the first batch of pilot units.China Construction Bank issued the asset-backed securities of the first year,and the China Development Bank issued the assets of Kaiyuan Support securities.In the asset securitization launched less than three years,the United States broke out of the subprime mortgage crisis,the Chinese economy has also been affected,asset securitization pilot suspension.Commercial banks to carry out credit asset securitization can help them reduce the financing costs,adjust the structure of assets and liabilities,the release of regulatory capital,revitalize the bad assets,to a certain extent,improve the efficiency of management.In order to promote the development of securitization of credit assets in commercial banks in China,this paper analyzes the impact of credit asset securitization on commercial banks from the perspective of commercial banks' performance,this research can provide reference value for commercial bank credit asset securitization.First of all,the article mainly introduces the research background and research significance,and summarizes the relevant literature.Then,the concept is defined,the basic theory is discussed: the operation mechanism of asset securitization,the theory of securitization of credit assets,and the theory of business performance of commercial banks.Then,it analyzes the development process and current situation of credit asset securitization of commercial banks in China,and analyzes the operation mechanism of credit asset securitization in bank profitability.The results show that credit assetization is beneficial to the profitability and liquidity of commercial banks,but the securitization of credit assets is not conducive to the risk prevention of commercial banks in certain circumstances.Finally,the paper summarizes and puts forward relevant policies and suggestions.