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本文结合对资产证券化业务的理解以及商业银行数据管理资源的现状,介绍了资产证券化业务信息系统架构面临的挑战和应对策略,并对积极备战中的商业银行、特别是中小商业银行,如何完善信息系统架构提出建议。伴随着信贷资产证券化扩容5000亿和首批信贷资产证券化信息披露指引发布两大重磅消息,资产证券化业务、特别是商业银行信贷资产证券化业务再一次成为众人瞩目的话题,而其背后的“可证券化资产数据管理”越来越成为业界关注的一大课题。
Based on the understanding of asset securitization business and the status quo of commercial banks’ data management resources, this paper introduces the challenges and countermeasures for the asset securitization business information system architecture. And how to deal with commercial banks, especially small and medium commercial banks, Improve the information system architecture to make recommendations. With the expansion of credit assets securitization 500 billion and the first batch of credit asset securitization information disclosure guidelines issued two heavy news, asset securitization business, especially the commercial bank credit asset securitization business once again become the subject of attention, and its Behind the “securitization of asset data management ” has become a major concern of the industry.