An Empirical Study On The Impact Of Credit Asset Securitization On The Operating Performance Of Commercial Banks

In recent years,with the deepening of financial reform and the impact of internet finance,China's commercial banks face more fierce competition.Securitization of credit assets as a kind of innovative financial instruments,can revitalize the bank's capital stock,improve asset liquidity,disperse the credit risk of banks,also it can promote the change of operation mode and structure adjustment of bank credit,effectively solve the universal existence of Chinese commercial banks,such as poor liquidity and funding sources of the single problem,improve their competitiveness.Therefore,in order to effectively promote the process of credit asset securitization of commercial banks in China,this paper analyzes the impact of credit asset securitization on Chinese commercial banks from the perspective of operating performance.Firstly,this article introduces the developing course of credit asset securitization,and then illustrates the credit asset securitization can improve the performance of commercial banks theoretically,and then at home and abroad about the securitization of credit assets,commercial banks operating performance and the securitization of credit assets of commercial banks operating performance influence research to carry on the literature review,and then introduces the content and research method and innovation points of this article and the insufficiency.Next,this paper expounds the meaning,processes,and diversification of the securitization of credit assets.Then this article expounds bankruptcy isolation and credit enhancement theory,and profitability,safety,profitability of commercial banks operating performance principle.Then combine the theory with practice,from the theoretical research of credit assets securitization of Chinese commercial banks operating performance.Then collect the index data which can reflect the profitability,liquidity,security,financial of commercial banks.Then we can build on behalf of commercial banks operating performance,security,liquidity and profitability of factor by using the factor analysis method,then analyze by the panel data model,then get the empirical research conclusions.Finally,the paper summarizes the whole paper and puts forward policy suggestions on how to promote the process of credit asset securitization more safely and reasonably.