The Research On The Risk Control Of Credit Asset Securitization Of Commercial Banks In China

Asset securitization is a kind of structural financing means take the assets that lack of liquidity but can produce stable future cash flow or asset portfolio as support asset and release the asset-backed securities in the financial market.For commercial Banks,the reason asset securitization was able to get rapid development is its ability can strengthen management and disperse credit risk.At the same well,it has multiple functions in connecting the credit market and capital market and promote the development of capital market.2014 is a big year as for asset securitization development.Andis expected to expand in 2015.Asset securitization market is the needs of the matural development of financial market in China at present.It is of great significance to the continuous improvement of the financial markets.This financial innovation tools originated in residential mortgage marketthe in late 1960 s the United States and has become one of the most important financing instruments in infinancing market.Even after the impact of the subprime crisis,asset securitization status in Europe and the United States.In contrast,China's asset securitization is still in its infancy.Although the development after the restart the pilot stage in 2012 is rapid,the development of asset securitization market is not mature and perfect enough,especially for controlling all kinds of risk.This paper is on the basis of the analysis of present development of asset securitization on abroad and home,the related basic theory,risk control principle and measures,and combined with concrete examples.Finally put forward concrete analysis and control measures risk aimed to control the risk of commercial bank credit assets securitization.In order to has certain realistic significance and role for the commercial bank credit asset securitization risk control management in our country at present.