Asset securitization can date back to the USA in twenty century seventies. There have many mature dissertations and researches. Many commercial banks of our county have began to try mutuality operation of asset securitization and have taken much achievement along with innovation of our county's finance industry. But development of our county's credit asset securitization exist many problems such as whole scale more small and variety of operation singleness, especially nobody work operating mortgage-based securities. For the commercial banks of our county that be faced with more deeply reformation of stock-system, operating mortgage-based securities is of great importance in concern with improving assets quality and increasing the market core competition.By studying the systemic discuss of asset securitization academic and analytic demonstration, this article mainly analyze mostly problems of asset securitizations in civil commercial banks and advantage and disadvantage of working operating mortgage-based securities in allusion to the actuality of asset securitizations in civil commercial banks. Especially this article will make suggestions and attitudes for working operating mortgage-based securities in our country's commercial banks in case of ABC bank, then it could make reference for the commercial banks. |