The Choice Of Securitization And Deposits In Bank Funding Models

The trend of Banking modernization and globalization increase the demands of banks'venture capital, so, for the commercial banks, the more importance is to have the right concept of development under capital bounded, in addition to the scientific management principles methods, tools and products, Which reflection on the bank's ability of venture capital management.Credit asset Securitization is a effective means to breakthrough the commercial banks′capital bottleneck. It's a intensive business development model ,in which the assets and capital are compatible, to change the extensive business development that expands risk assets and capital. Credit asset securitization can reduce financing cost, improve bank's liquidity, raise capital adequacy rate, disperse risk and open up a new way for profit.The first step of securitization of credit assets is the choice of credit assets. It is not only a direct impact on the whole operation process complexity, but also play a decisive role to the Securities effects. This paper takes it as a breakthrough, analyses commercial banks in the development of securitization of credit assets of the existing obstacles and examines bank's choice of securitization of credit assets in different constraint conditions, gives full play to the securitization of assets to improve liquidity and increase capital adequacy ratios, low-cost financing , finally according to analysis makes suggestion of the corresponding policy recommendations and countermeasures.According to research, mortgage-backed securities is the first choice of the credit asset-backed securitization of commercial bank, which is proved by the MBS of China Construction Bank. Mortgage-backed securities fits for the request of the asset choice of asset-backed securitization. Mortgage-backed securities should be chosen consistent with homogeneity of the assets or claims, relative independence, initial debtor fully decentralized, overall large scale an small scale single.