Research The Impact Of Credit Asset Securitization On The Liquidity Of Commercial Bank

Chinese economic in the event of a profound structural change,completed the process of economic and monetary,the future will enter the capital economic process."The Belt and Road" in 2017 initiative as a major strategic will have a profound impact on China economic development.Economic development mode will no longer be a simple export capacity,financing and investment is no longer a simple,but with the financial opening,the future investment and trade will get rapid improvement.Facing the new situation,commercial banks as the main body of financial market will facing the hitherto unknown challenge,for example the traditional deposit and loan spreads as the main source of profit pattern is hindered.In this situation,as one of the three bank principle of management,liquidity management is an important part.In 2012,the asset securitization is restarted,playing a role in transforming capital stock.so far,more than 3 trillion and 500 billion of stock scale,there are 1 trillion and 500 billion the size of the offering in 2017.It is no doubt that asset securitization is used more and more widely.Asset securitization is an important financial tool,an effective tool to revitalize the stock of capital and an important tool to accelerate the process of economic capital in china.From the operation mechanism of asset securitization,it can improve the safety of commercial banks to a certain extent,as well as profitability and liquidity.This paper mainly studies the asset securitization of bank liquidity effect,namely the management of bank liquidity.In this process,adding housing mortgage loans as influence of different variables,the securitization of asset based securitization and longer compared to the bank overall period,combined with the empirical analysis of listed commercial banks of our country's data,research shows that banks through asset securitization through to convert non liquidity loans for working capital,improve the ability of banks to lend,and the liquidity effect of housing the mortgage is very significant.In addition,the securitization provides additional sources of funding for the bank,the bank for funds impact cost is no longer sensitive;this paper contributes to the research how to study by means of securitization of bank capital and liquidity management.Finally,combined with the results of the previous theoretical analysis and empirical research,from the domestic commercial banks supervision level and management level,provide a more comprehensive and operable policy suggestions for asset securitization business,in order to further play the role of securitization of commercial bank liquidity assets management.