The Consumer Protection Of Bank Asset Securitization In Our Country

As an efficient means of financing,asset securitisation has been widely used in developed countries.China has also done some theoretical studies and practical of asset securitisation for a period of time.But with the effects of the 2008 financial crisis,actions in the physical experiment were not come true.More and more banks and companies trying to dispose or revitalize its stock assets by means of asset securitisation.Release object of security is the vast number of investors.So investment security is the key of the implement of asset securitization.In the first part,the author does an overview of the assets that banks are now able to securitised assets in our country.In the second part,the author introduces the processof bank asset securitization process.In the third part,the author put forward the risks in the process of asset securitization,including the risk of underlying asset collection.Both originator and other participants must perform their obligations.Because of the difference between information disclosure of asset securitization and information disclosure of "Securities law",traditional information disclosure rules are somewhat limited.In addition,information disclosure and banking secrecy obligation conflict,which may threaten the investment safety of consumers by incomplete information disclosure.In the forth part,the author points out the present situation and the insufficiency of asset securitization of our country about consumer protection system.It mainly includes the financial regulatory system and relief system for consumers.And then,the author give suggestions to How to improve the rating system.How to build the non-litigation dispute resolution mechanism which is suitable for the situation of our country.The auther gives the answers.United States has perfect ralated system and rules.So the author introduces the relief system to investors in the United States,including accusing the remedy mechanism and litigation relief system.Also,the auther puts forward the suggestions for our country that from the experience of United States,in order to provide investors with better protection.