Research On Credit Asset Securitization Of Commercial Banks In China

In a narrow sense,asset securitization refers to credit asset securitization,which is a major financial innovation and financial instrument in the financial field.As China's macro-economy enters the "new normal",The rapid growth of credit asset securitisation in commercial banks was spurred by the development of social consumption and the increase in loan size,with the issuance of 931.8 billion yuan of credit asset-backed securities in2018,up 56 percent from the same period last year.With the increasing credit scale of commercial banks,the non-performing loan ratio and various credit default events are also increasing,but in recent years,especially since 2016,strengthening financial supervision has become the main melody of the financial industry,and the more the financial supervision has become,the more the financial supervision has become.The stricter it comes,the higher the health requirements for the balance sheet of commercial banks.The implementation of credit asset securitization in commercial banks can effectively improve the liquidity of assets in the bank balance sheet,adjust the bank balance sheet,improve the credit structure,and dispose of non-performing assets by market-oriented behavior at the same time.At present,the scale of China's credit asset securitization market is still relatively small,there are still many factors restricting the development of commercial bank asset securitization,such as the related laws and regulations and other supporting facilities are not perfect and so on.In this paper,the whole process of asset securitization is explained theoretically,and its core principle and operation process are explained.Through the study of foreign asset securitization market more mature countries,compared with domestic,find out where we can learn from.In this paper,the current situation of credit asset securitization of commercial banks in China is analyzed by taking “the first phase credit asset securitization of Bank of China 2015 ”as a case study.Based on the propertycertificate Based on the theoretical and empirical analysis of securities,this paper points out the opportunities and challenges faced by the securitization of credit assets of commercial banks in China at present,and puts forward some reasonable and referential suggestions.