Study On The Operating Performance On Securitization Of Credit Assets Of Commercial Banks

Credit asset securitization came into existence in 1970 s,acts as a financial innovation,it can improve asset liquidity,spread risk effectively.In recent years,due to economic liberalization,the development of China’s banking industry is facing great pressure,there are many problems in the banking industry,And the emergence of credit asset securitization,it is beneficial for banks to adjust their capital structure,improve liquidity,reduce non-performing assets and improve capital utilization,it has a great influence on the development of commercial banks.And what exactly is the impact of the business on the bank,this is crucial to the development of the bank.This article starts with the bank performance,study the impact of credit asset securitization on banks.This paper is based on the previous research results,study the impact of credit asset securitization on the performance of commercial banks.First of all,introduced the concept of credit asset securitization,operating mechanism,development status in our country,etc.Then,from the theoretical and empirical analysis,from the theoretical point of view,analyze the impact of securitization on bank performance,mainly from capital replenishment,revitalize the capital,risk pit,cost reduction and revenue increase four aspects analyzed.In the empirical analysis,we choose the state-owned banks and joint-stock banks to compare and analyze,compare the performance scores before and after the securitization of credit assets,and then analyzes the impact of credit asset securitization on bank performance,all data required is derived from the audited financial statements of the bank,factor analysis was carried out by means of SPSS,then draw conclusions from two aspects of theory and empirical.The results of this study show that credit asset securitization will theoretically have a positive impact on the performance of commercial banks.But the empirical results show that the securitization of credit assets has a positive impact on the state-owned banks and joint-stock banks in the short term,in the long term,it has some negative effects,but the performance of joint-stock banks is better than that of state-owned banks.