A Study On The Theory And Empirical Study Of Credit Asset Securitization In China 's Commercial Banks

As a new financial business, asset securitization has been canonized by many countries in the world as a financial instrument. The pilot from 2005 to start date,asset securitization has gone through more than ten years of development in our country, for assets securitization development process both exist twists and turns, but also carries the expectations of the majority of finance. Asset Securitization normal development has become a trend, and as the core areas of asset securitization, credit asset securitization business there has to be broad space for development. Commercial banks as a major player in China’s investment and financing, the impact of China’s economic development is the subject of other industries can not be replaced, but in recent years due to the speed up of financial innovation, the traditional lending business has been threatened by other financial areas. The emergence of Internet banking, interest rates are to accelerate market-oriented banking business had a negative impact, coupled with the increasing non-performing loans of commercial banks, which on profitability and capital operations showed some weakness. As a new tool,it can activate bank capital stock of non-performing loans and ease the pressure on banks to achieve efficient operation---- securitization of credit assets will become the focus of attention of the major banks. Therefore, more research on commercial bank credit asset securitization theory and empirical can better be able to improve the operating results of the bank, thus contributing to China’s financial markets towards the positive development direction, to promote the rapid development of China’s economy.For the above reasons, this article research and analysis the commercial bank credit asset securitization. Firstly, it introduces the purpose and significance of research about the background and study and then discuss some research status,followed by the theory of asset securitization and bank credit asset securitization business has been explained for the later study provide theoretical support. Then to China and the development of asset securitization business practices were introduced,and China’s commercial banks now operate some of the problems faced by the data analysis shows the necessity of conducting the credit asset securitization business.Then through empirical description of the implementation of credit asset securitization business to enhance the level of commercial banks exist a positive role,and finally put forward some suggestions to China’s commercial bank credit asset securitization development.The main conclusions are: credit asset securitization business of the bank for its improving management level has a positive effect, while vigorously and reasonable conduct of credit asset securitization business, to play its role in promoting economic and financial development of China is China’s economic development needs, is imperative.