Research On Credit Assets Securitization Of Bank E

In the 70 s of last century,assets securitization has been born as an important innovation of the financial field of the world.Chinese banking industry carried out the first pilot of credit assets securitization since 2005.The development of credit asset securitization although had been suspended due to the sub prime crisis,but it is making a great progress in recent years.Many domestic commercial banks start to issue a number of credit assets backed securities.In order to promote the healthy and effective development of credit assets securitization business among in Chinese commercial banks,I am using Bank E as an example on the basis of full investigation and research on credit assets securitization and Bank E's situation to write this research.This research uses case analysis method which based on the basic situation and management problems of Bank E to analyze the necessity of credit assets securitization.Also it analyzes the feasibility of credit assets securitization which based on the current external environment and the internal situation of Bank E.Through the analysis of SWOT matrix,it offer proposals for business development strategy which contains trend following,human resources introduction,interbank reference and gradually advance in due order.The research also uses the comparative method to analyze two credit asset backed securities which issued by China Construction Bank and China Merchants Bank,finding differences and similarities between two securities to provide reference for Bank E.Providing a security design scheme for Bank E is the core part of the article?It is being designed around five aspects which contain SPV mode,asset pool selection,subject participation,credit enhancement,security issuance and transaction.Finally,based on the daily work and feasible affairs,this article gives several suggestions for the development of Bank E's credit assets securitization business: focus on quality of assets and advance steadily,assure real sale,strengthen risk management,design securities rationally,disclosure information clearly,with the help of group resources.