Research On The Impact Of Credit Asset Securitization On The Management Performance Of Chinese Commercial Banks

In recent years,our country faces a downward trend in the macroeconomic environment,shows the apparent decline in growth.Second,with China's market-oriented interest rate reform was basically completed,the trend of financial disintermediation is becoming more and more stronger and Internet financial onslaught of the entire banking entity,makes commercial Banks in the business competition hots up,a series of difficulties encountered transformation and development problems.On the one hand,with the development of market-oriented interest rate reform,private financial markets,financing way and the diversification of products to choose multiple reasons,such as the risk from commercial Banks deposit outflows,deposits pressure increasing,the corresponding also show the tense situation on the financing side,this will make the Banks' liquidity management under pressure.Second,the profitability of the bank's relative before present a downward trend,the regulator for the requirements of risk control management,increased the regulatory capital adequacy ratio and capital constraints.In this background,our country to further expand the scale of the pilot,and publish the way to guide credit asset securitization market,enable it to operate smoothly,so that commercial Banks can better use the financial tools to solve the problem of its own economic management,improve the liquidity,safety and profitability levels.In recent years the development of credit asset securitization market in China into the fast track,each joint-stock commercial Banks are testing the waters and to carry out the implementation of credit asset securitization operations.To illustrate the securitization of credit assets of our country commercial bank management is effective,whether is worthy of reference for the Banks to carry out the related assets operation,so the securitization of credit assets in commercial Banks practice operation,and the effects of the specific research is particularly important.This paper mainly studies the credit asset securitization's impact on our country commercial bank management.First of all,this article attempts through the detailed introduction of credit asset securitization,characteristics and operation mechanism,and the present status of the development of a fundamentally guides the reader the cognition to the securitization of credit assets,the innovative financial tools,secondly,from the theoretical analysis of the commercial Banks in China to carry out the feasibility of thesecuritization of credit assets and its influence,and then from the theoretical level to practical level.Introduced the China merchant bank as a case study,through the bank credit assets securitization related financial data before and after comparison and analysis,illustrates the securitization of credit assets of commercial Banks liquidity,security,profitability has a positive impact.Finally,according to the present stage our country commercial bank business development status and trend of the economic and financial reform,put forward the corresponding suggestion.