Credit Asset Securitization And Operation Performance:A Case Study Of China Construction Bank

Since the emergence of market-oriented interest rate reform,commercial banks have appeared the problems of poor financing ability and lack of liquidity.From the whole social background,the competition between commercial banks in China has become more and more prominent.Most commercial banks in China have the problems of lack of liquidity,single access to funds and low capital adequacy.Asset securitization began to appear in the 1970 s as a new type of financial instrument.It has developed rapidly around the world.Commercial banks are considering increasing liquidity,solving the problem of high financing costs,broadening financing channels,and increasing intermediate income,etc.The business of securitization of credit assets was carried out.In this paper,case analysis is used to study the impact of credit asset securitization on business performance,taking Jianyuan 2016-1 credit asset securitization product of China Construction Bank as an example.This paper briefly expounds the background and significance of the research.Secondly,it summarizes the relevant theories of credit asset securitization and commercial bank operating performance,and expounds the basic theory of credit asset securitization: the principle of asset reorganization.The principle of risk isolation and the principle of credit gradation are discussed,and the enlightenment of the relevant theories to this paper is discussed.Then,the relevant cases of credit asset securitization of China Construction Bank are summarized.The Construction Bank,including the introduction and development course of credit asset securitization,credit asset securitization business "Jianyuan 2016-1" as an example,from the transaction structure,credit enhancement measures,the main issue to the underlying asset pool scale and other aspects were introduced in detail.A systematic analysis of "Jianyuan2016-1".And the use of academic theory and statistics,from the three main aspects of construction bank performance respectively discuss the credit asset securitization of commercial bank operation safety,three aspects of liquidity and profitability.The conclusion of this paper is as follows: "Jianyuan 2016-1" has high standardof basic assets,proper choice and reasonable design of product structure.However,there are still changes in interest rates.The issuance of credit asset securitization products has indeed played a role in the operation performance of CCB and has improved the security of CCB.Profitability and liquidity management.To advise CCB on the development of credit asset securitization,to actively develop non-performing credit asset securitization business,and to truly resolve non-performing assets,so as to enhance the security management of China Construction Bank.The ability to resist risks is of great significance.Introduction and training of Credit Asset Securitization Expertise.Take advantage of new opportunities to take credit asset securitization into account with PPP loans.