Exploration Of Asset Securitization Model In Regional Bank

Asset securitization is a kind of financial innovation,through the design,will have stable cash flow in the future but illiquid assets restructuring into asset backed securities,able to deal in the capital market circulation.This business first appeared in the United States,and China began to carry out the experiment of securitization in 2005.Many Banks have carried out this business successively,which has brought a lot of positive influence to themselves.The financial system in our country there are multiple parts,including regional bank is an indispensable part of its,bearing the service the local economy,facing the important task of micro,small and medium enterprises,therefore,the development of the regional Banks is of great significance.But regional Banks because of its operation and management ability,the limitation of their own conditions and regional restrictions,such as profit in business organizations and structure show a lack of diversity,too single issue,the current net interest margins for Banks still,such as the main source of income,thus expanding intermediate business has become a target for its development.Along with the financing and liquidity requirements of regional Banks,asset securitization has become a breakthrough in its development and transformation.But regional Banks as regional strong,face to the responsibility of the micro,small and medium enterprises,asset on a smaller scale,high concentration,the regional Banks in asset securitization brings certain difficulties and problems.Zhengzhou bank,this article selects the first issue of asset securitization products in 2016-2016 "tripod letter" and the process of case analysis,analysis,draw the conclusion: to carry out the business will not only be able to zhengzhou bank to a certain extent,solve the problem of profit structure is too single,looking for development for the breakthrough for the development of intermediary business,but also able to revitalize the original low liquidity of credit assets,increase the inflow of cash flow,for the adjustment of assets structure has found a new way.With "kaiyuan 2016 first phase" securitized products of comparative analysis,found that regional Banks exist in the process of asset securitization asset size is small,high cost and high cost of financing problems.In order to solve regional bank in the problems that exist in the securitization of credit assets,this paper puts forward the regional Banks for credit asset securitization,and in-depth analysis of this scheme.Then,taking bank Y as an example,this paper designs a scheme of joint credit asset securitization,and analyzes the risks and effects brought by bank Y.Certificate of credit assets in order to make the plan better implementation,regional Banks better able to take advantage of this business,in the final part of this paper put forward some risk prevention methods and Suggestions for the development of the business.