Research On Risk Control Of Bank Of Jinzhou Benxi Maple Aroma Valley Hot Spring Resort Hotel Asset Securitization

Credit asset securitization refers to the banks and other financial institutions will lack of liquidity,but after the operation can produce stable cash flow of credit assets,changed its asset structure,the risk and return of assets in the separation and restructuring of the formation of asset pool,and transformed into negotiable securities process which financing.The originator of the credit asset securitization is a bank and other financial institutions,its basic asset pool is composed of credit assets,is an important part of asset securitization.At present,the Bank of China's leading financial system,credit asset securitization can be said is well placed to rapid development.Securitization of credit assets will be realized long-term assets,not only to enhance liquidity,but also to promote the transformation of business management to risk management.Revitalize the bad assets,improve the efficiency of resource allocation and use.Further promote product pricing transparency in the market.It plays an important role in optimizing the capital environment of our country,and plays a positive role in promoting the healthy development of the credit market.In recent years,credit asset securitization has become one of the main direction of development of commercial banks,and the vigorous development of the credit asset securitization project based on the credit asset securitization project risk,is the basis of the whole financial market stable development,priority among priorities,but also the banks and other financial institutions to prevent operational risks so it is is very important to take risk management measures to prevent,control and a series of credit asset securitization.In this paper,firstly the related theory of commercial bank credit assets securitization project risk management was studied and introduced;then describes the situation of Bank Of Jinzhou's Benxi Maple Aroma Valley Hot Spring Resort Hotel asset securitization project,and on the basis of risk analysis and risk evaluation;then the main effect of the project,the project found that there is financial risk,credit risk and market risk;this article finally puts forward the way to deal with these three kinds of risks,and puts forward the risk control measures of Bank Of Jinzhou's Benxi Maple Aroma Valley Hot Spring Resort Hotel asset securitization project,including strengthen Bank Of Jinzhou's practitioners' sense of responsibility,reduce human risk;improve the internal control system of Bank Of Jinzhou,reduce the possibility of institutional risk;establish the securitization of credit assets,improve the level and quality of the project agency.