The Design Of Operation Scheme Of CNCB Credit Card's Fiduciary Credit Business Based SOT Model

China CITIC Bank Credit Card Center as the CITIC Bank credit card business franchise is the second breakthrough 10 million circulation of joint-stock commercial bank credit card service.As of mid-2013,CCB bank credit card has issuanced total volume 17 million,the average daily transaction amount exceeded 1.5 billion yuan and total loans more than 70 billion yuan in year-end.With the rapid development of business scale,the scale of credit funds allocated by the head office has clearly inadequate business development needs.The credit card funding needs over forty billion yuan in 2013,which exceeded the head office of credit funds allocated more than 100 billion yuan.credit the lack of funds by funds single source of credit becomes the bottleneck of the scale of growth in credit card business.The core of this study is according to the needs of business development,CCB Bank Credit Card Center referenceing credit asset securitization model opening new ways to expand the size of the issuer by carrying out fiduciary SOT-based credit business model through quality assets securities processing,realizing capital sources to expand and revitalizing the liquidity target assets.The paper studys based on the credit card securitization theory and omestic derived from the model based on the theory SOT theoretical.The paper used logical analysis and comparative analysis method.Firstly,the paper takes comparative analysis about SOT model and foreign credit card asset securitization theory from SOT concept model,theoretical characteristics,operational processes and functions,etc.Secondly,the paper analyze the background environment about Credit Card Center to carry out fiduciary business model under the SOT,compares the differences Credit Cards entrusted with the traditional credit business credit card business model and explores credit Card Center to carry out fiduciary business of product design and business operations the basic ideas about the credit card center carrying out fiduciary credit product design and business operations.Lastly,the paper designes the operations plan about Credit Card Center practice fiduciary business,including allocation of credit funds entrusted arrangements,product protocol design,card products and card center set up inside the carrier operating strategy.And the paper plans Credit supporting internal planning system transformation,late Qing closing strategies for protecting credit card credit operations implemented.Credit Card Centre takes a number of innovative measures,accumulates rich experience and achieves ultimately the purpose a "high-quality credit card with a credit capital asset replacement and solves the credit limit the size of their business single source of capital,illiquidity problem in CITIC Bank Credit Card Center carrying on the business credit card credit fiduciary SOT model implementation process in order to avoid the theoretical aspects of asset securitization in the current environment is difficult to operate in the country.CITIC Bank Credit Card Center carrying out fiduciary business practices based on credit SOT model is the first successful practice of domestic banks use credit card securitization theory,combined with national conditions and flexible use,which provides practical experience on the credit card industry to expand credit for domestic sources of capital and improving liquidity.