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资产证券化以流动性差的资产为基础发行证券,增加了资产的流动性,为经济发展更快地融通资金。增加商业银行信贷资产的流动性对于银行的盈利和资本运作有着非常大的意义。本文从商业银行信贷资产证券化风险的理论基础、表现形式、风险管理的一般策略和风险管理的政策建议四个方面来论述,在理论基础之上,运用归纳与演绎结合、理论和实践结合的研究方法,系统研究了商业银行信贷资产证券化过程中的风险。
Asset-backed securities offer securities on the basis of illiquid assets, increasing the liquidity of assets and facilitating the quicker financing of economic development. Increasing the liquidity of commercial banks’ credit assets is of great significance to the profitability and capital operation of banks. This paper discusses the theoretical basis, form of expression, general strategy of risk management and policy recommendations of risk management of commercial bank credit asset securitization. Based on the theory, this article combines the combination of induction and deduction, the combination of theory and practice Research methods, systematic study of the commercial bank credit asset securitization risk.