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论文编号：	10502
作者编号：	2120162876
上传时间：	2018/12/6 18:09:56
中文题目：	ZS银行对消费金融证券化产品投资策略的研究
英文题目：	The study on investment strategy of asset securitization based on consumer finance in ZS bank
指导老师：	黄福广
中文关键字：	资产证券化;消费金融;投资策略;科技金融
英文关键字：	Asset securitization;consumer finance;investment strategy;Fintech
中文摘要：	自《关于规范金融机构资产管理业务的指导意见》发布以来，标准化ABS产品对于商业银行的投资价值得到进一步提升，其中消费金融小额债权类资产由于发行规模持续增加，成为银行投资ABS产品中的重要类型。银行传统授信融资的审批人员、方法、手段已无法适应此类证券化产品的投资决策。鉴于此亟需针对现存消费金融类资产证券化的投资策略存在的问题进行分析，并提出相关改进建议。首先，本文针对资产证券化的概念及此类业务在我国的投资现状加以概述，并就具体消费金融资产证券化产品在我国的发展的情况进行介绍。其次，就传统信贷审批逻辑与消费金融产品审批方法进行对比，并在此基础上提出ZS银行所投资的依靠主体、依靠资产以及消费金融类资产证券化产品的各自特征、投资现状进行介绍，并辅以过往投资案例，以此来引出本文需要详细介绍的核心内容，即ZS银行针对消费金融证券化投资决策的主要问题及成因分析。存在的主要问题及成因集中在传统审贷逻辑以及ZS银行本身管理体系对消费金融产品的不适用性方面。最后基于相关消费金融机构及案例分析提出对商业银行对于消费金融资产证券化业务投资策略的改进建议，并指出此类业务发展的未来方向。论文主要以基础理论和实际投资案例为支撑，通过定性和定量相结合的方法，指出商业银行进行消费金融类资产证券化项目投资判断依据，即通过对主体及其产品的深入研究以及借助科技金融（Fintech）手段对基础资产进行数据获取、分析以及投后管理的方式开展资产证券化项目投资。
英文摘要：	Since the release of the guidelines on regulating the asset management business of financial institutions, it improves the investment value of standardized ABS products for commercial bank. Consumer finance based ABS products which is small and scattered turns into an important type of ABS products in commercial bank’s investment because of its continuously increasing issue size. The traditional examination personnel, approval methods and means of bank cannot adapt to the investment decision of such securitized products. In view of this, this paper points out the existing problems in the investment strategy of existing consumer financial asset securitization and gives relevant improvement suggestions. Firstly, this paper gives an overview of the concept of asset securitization and the investment status of such business in China, and introduces the development of specific Internet consumer finance asset securitization products in China. Secondly, it compares the traditional credit approval logic and method for examination and approval of consumer financial products and based on this, advances the ZS bank investment depends on the main body, relies on assets and their respective characteristics of consumer financial asset securitization products, introduces the present situation of investment, supplemented by investment case. In order to draw out the core content of this article needs to detail, namely the main problems and causes of ZS bank for securitization of investment decision analysis of consumer financial asset securitization products. The main problems and causes lie in the traditional credit checking logic and the inapplicability of ZS bank's management system to consumer financial products. Finally, based on the relevant consumer financial institutions and case analysis, the paper puts forward suggestions on the improvement of commercial Banks' investment strategy for the consumer financial asset securitization business, and points out the future development direction of such business. Thesis mainly supported by basic theory and the actual investment case, through the combination of qualitative and quantitative method, points out that commercial banks in the consumer finance asset securitization project investment judgment, through in-depth study of main body and its products, and with the help of finance of the underlying asset (Fintech) means of science and technology after data acquisition, analysis, and cast in asset securitization project investment management.
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