A Study Of Non-performing Assets Securitization Credit Risk Of National Commercial Bank

Since the sixth plenary session of the 18 th,the authorities again advocate and thorough going efforts to promote the "three to one drop one filling" reform of the supply side,actively encourage regulators,market funds,asset market and intermediary institutions,innovative financial products and market transaction structure in the industrial policy of macro background.The author intends to restart from 2016 perspective of non-performing assets securitization trust in the financial product innovation in the inherent credit risk.Foreword part of the life insurance,the author in this article elaborated the research background of this article,by combining to capacity,reduce the levers of macro background,as well as the current our country commercial bank faces huge bad assets and stock of bad debt.The creditor's rights discussions or project can alleviate our country commercial bank bad asset securitization trust assets defective rate,so as to realize the commercial bank capital backflow.At the same time,the author of the existing theory of our country commercial bank bad assets are analyzed and finishing,the current theoretical foundation with a degree of certainty,based on the time this article sums up the research content.In the body,the first chapter of this article part of China's commercial Banks non-performing assets securitization trust system into the overall level,this paper respectively from the concept,characteristic and analyzes the basic legal relationship,and laid a solid foundation for the following.Chapter two part of this article,the author to our country the credit risk of commercial Banks non-performing assets securitization trust and slow-release measures are expounded,combing the specific content and form of expression,credit risk and according to the market at present instance of the usual slow-release measures are analyzed.Chapter three part of this article,the author of overseas commercial Banks non-performing assets securitization trust slow-release measures are analyzed,and points out the significance.The fourth chapter in this paper,combined with our country commercial bank bad asset securitization trust related issues and foreign advanced practice,try to explore measures to improve Chinese related system.