| The global financial crisis that erupted in 1980s, prompting the world’s financial system to rectify the financial structure, the removal of non-performing assets. Throughout China’s current financial system, due to historical factors and the policy constraints, the state-owned commercial banks accumulated a large number of non-performing assets have seriously hindered the development of China’s financial system. The existence of non-performing bank assets, not only reduces the economic benefits of the bank, but also brings serious financial risks. Therefore, the disposal of non-performing assets of banks has caused great attention of the state, society and experts and scholars.Securitization as a way to improve and ease the disposal of non-performing assets of banks, banks can precipitate a large number of non-performing assets of the bank to ease the burden of non-performing assets of banks, while reducing the risk of bank loans. With the adjustment of China’s economic structure and the development of capital market, the domestic banks began to carry out the reform of non-performing assets securitization, the securitization of non-performing assets can promote the organic connection between the money market and the capital market, and promote the development of China’s market economy.This paper intends to take this as the entrance to the Agricultural Bank of China’s non-performing assets securitization as the full text of the article, focus on the relevant topics, put forward constructive comments and suggestions. First of all, this paper analyzes the significance of introducing the background of asset securitization and the Agricultural Bank of China non-performing assets securitization initiatives, puts forward the research methods and innovations; next, in this paper, the concept of Agricultural Bank of China and the non-performing assets of explain the profound things in a simple way of studying, focusing on the analysis of the background and needs of the Agricultural Bank of China non-performing assets securitization, and creative use of SWOT analysis technique of Agricultural Bank of China non-performing assets securitization four topics were judged. Then, to our country existing bank non-performing asset securitization case as the starting point, give the suggest which suit to the Agricultural Bank of China. At the end of this paper, this paper carried out the overall design of the non-performing assets securitization of Agricultural Bank of China, and put forward the feasible suggestions from the aspects of laws and regulations construction, process design, internal system improvement, platform construction and so on,then deduced the conclusion of the full text, puts forward personal hopes and expectations.Through the research we found that already exists in the Agricultural Bank of China non-performing assets problem in a great extent has become the hinder the sustainable development of the Agriculture Bank of China and business transformation and upgrading of the "stumbling block" one must devote great effort to be addressed. The test and popularization of the non-performing assets of Agricultural Bank of China, so as to make it normal, institutionalized and standardized, is an important option to crack the problem of the existing non-performing assets, and can achieve good results. For example, the non-performing assets securitization of Agricultural Bank of China can adjust the capital structure of the Agricultural Bank of China, it can also improve the Agricultural Bank of China’s profit, so it is of great benefit. In the future, to explore the scientific path and means of Agricultural Bank of China’s non-performing assets securitization, improve the operational level, should become the focus of the relevant practitioners and managers. |
