The Research Of Operation Effect On Banking’s Credit Assets Securitization In China

Banking is an important industry in the national economy, which is also animportant part of financial sector. Banking just likes the lifeblood of economy; itconstantly sends money to every sector of the society. Profitability is vital forcommercial banks. With the complishment of banks’ shareholding reform andimprovement of international opening level, banks in China have obtained a leap on"quality", profitability has made great progress. However, in addition to profitability,there are liquidity and security to measure bank’s competitiveness. Liquidity andsecurity issues have plagued China’s banking for a long time. Credit assetsecuritization is a kind of financial innovation our government introducedconsidering the situation, in order to revitalize the stock funds and increase theincome of banks, it is an important direction in banking’s future development. As thebanking credit assets securitization trial further expand, more and more banks beganto carry out the securitization business, and banking asset securitization businesstends to be normalized in our country.This paper is based on the relevant domestic and foreign research results tolaunch research on operation effect of China’s banking’s credit assets securitization.The analysis is from meso and micro two angles, to explore the contribution of thecredit assets securitization to the development of China’s banking, and the effect oncompetitiveness of commercial banks operation. This paper will make empiricalanalysis on operation effect, the data is from government website and public data ofcommercial banks’ audited financial statements, with the aid of SPSS softwares toanalyze data, correllation analysis is used to study the effect of credit assetsecuritization circulation to the entire banking, and at the same time, commercialbank competitiveness research is through factor analysis, to analyze thesecuritization’s effect on individual banks. In this paper, the research results show that banking’s credit assetsecuritization can improve the industrial liquidity and profitability, and enhance thecompetitiveness of commercial banks, especially the joint-equity commercial banks,credit asset securitization can improve the commercial banks’ profitability level andasset quality.