Research On The Securitization Of Credit Assets Of Commercial Banks In My Country

As a pillar industry in China's national economy,the banking industry has also realized its own profit at the same time to the various institutions of society,especially in recent years,the continuous development of credit asset supporting securities of commercial banks has made the banking industry have great contribution to the economic development of our country.It is particularly necessary to increase the research on credit asset securitization of commercial banks.As an important means of financial market financing,asset securitization has been developing for more than 40 years,and credit asset backed securities as one of the classic types is the product of our Government's vigorous development of financial innovation,and has a positive effect on improving the profit structure of commercial banks and raising the income of banks.It also solves the typical problem that the commercial bank has a long history of insufficient liquidity and lack of security,which is an important direction for our commercial banks to develop vigorously.At present,more and more commercial banks are starting to carry out credit asset securitization business,although the credit asset securitization of commercial banks in China can bring considerable economic benefits to the market,but also face a series of risks,this paper mainly on the Commercial bank credit assets supporting securities in the operation of the problems can be analyzed and put forward corresponding suggestions.On the basis of referring to relevant literatures at home and abroad,firstly,this paper introduces the principle,participating subject,transaction flow,current situation and existing problems of credit asset securitization of commercial bank,and then takes the credit asset securitization product of Xingye Bank as an example of "Xing Yuan 2017 first stage personal housing mortgage loan asset supporting Securities",This paper analyzes the characteristics of its distribution,transaction structure and product characteristics,and finally explores the effective measures for the better development of credit assets securitization in our commercial banks through the advantages and disadvantages of the case products in the distribution.