Study On Commercial Bank Loan Transfer And Trust Financing Plan

After the bank loan spree in2009, China’s commercial banks almost reach thebottom line of regulatory requirements in respect of loan-to-deposit ratio, capitaladequacy, etc. The supervision departments strictly control the size of bank loan.Lack of loan quota stops banks from issuing new loans and affects the continuity ofbank service, which becomes the urgent problem that commercial banks face.After the join of WTO, China’s commercial banks, to compete with foreignbanks in a completely open financial market, need to improve their risk managementtechnique and ability. The experience of foreign advanced banks indicates that loantransfer has became a very important and regular asset portfolio management activity.The basic product and tool of the construction of credit risk management system isloan transfer, which results in loan securitization and credit derivatives after certainlevel development and gradual improvement. China’s loan transfer is just in the initialstage and loan securitization the pilot stage.This thesis analyses in the above context the three main functions of loan transfer:financing tool, credit risk management tool and assets-liabilities management tool.The thesis also discusses, according to the loan transfer theory while referring to theforeign advanced experiences and considering the situation of market and banks, thenecessity for our country to develop loan transfer and the urgent problems thecommercial banks face and creative design in the process of loan transferdevelopment. Meanwhile, the thesis also focuses on the analysis of the pricingmodel of loan transfer assets.