The Feasibility Study Credit Asset Transfer Trading Model For Finance Company

In recent years, a number of new financial services emerges, credit asset transfer is one of them, various types of financial institutions are actively exploring new models and methods to expand this business. Finance companies,as a a special class of non-banking financial institutions in Chinese financial system, is the inevitable product in the context of financial reform in China, and it is an important measure for the government to promote the reform of state-owned companies and accelerate the technical transformation of enterprise group. After nearly three decades of development, finance companies have become an important force in the financial market, and they are important parts of non-banking financial institutions in our country, playing an irreplaceable role in supporting enterprise development as well as providing professional financial services for enterprise. Financial companies have become the new force in credit asset transfer market, promoting the development of the business with its unique way.Firstly, we review the general situation of credit asset transfer market both at home and abroad, and we elaborate the basic concept of credit asset transfer, facing risk and the meaning of financial companies to carry out the business; Secondly, we discuss the feasibility of establishing financial company credit asset transfer platform from the current financial and policy environment, development characteristic and the positive role; After that, we specifically design bond yield transfer model and bond transfer model, covering asset selection and construction, product pricing, financing cost, trading structure and access standard, right and obligation with each participation; Then, put forward a preliminary plan for the construction of a financial company credit asset transfer market from the main function, transaction element, construction rule and risk control; At last, coming to the conclusion, all the conditions of establishing a finance company credit asset trading market are ripe, including finance environment, policy environment and consistent with financial reform trend. To establish finance company credit asset trading market not only is beneficial to regulatory oversight, but also provide correctly guide for the rapid development of such services, and it promotes loan transfer business in healthy development track and make financial innovation to better serve the entity economy.