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论文编号：	6594
作者编号：	2120102702
上传时间：	2014/6/26 15:52:51
中文题目：	我国商业银行信贷资产证券化研究
英文题目：	Research On Asset Securitization Of Commercial Bank In China
指导老师：	肖沂
中文关键字：	资产证券化;金融危机;风险监控;金融创新
英文关键字：	Asset securitization;Financial crisis; Risk monitoring;Financial innovation
中文摘要：	资产证券化于上世纪60年代诞生在美国，其本身是一金融创新工具，我国对于资产证券信贷的研究开始于上个世纪末，近些年随着研究的深入也积累了较为丰富的研究成果，主要包括信贷资产证券化的模式选择、信息监管、风险管理、法律问题以及在中国实施的可行性分析。欧美国家的资产证券化模式各不相同，美国主要是表外证券化业务，而欧洲则是表内证券化业务。2008年美国爆发严重的金融危机，对全世界都造成了及其沉重的打击，但危机的爆发有他独特的根源性，我国结合美国2008年的次贷危机教训，密切关注资产证券化产品的风险管理，尤其是加强对于基础资产的风险控制。国开行于2012年发行的“开元一号”信贷资产证券化项目开展顺利，通过选取优质信贷资产作为资金池产品，与中信信托合作，中债资信进行信用增级，各家银行券商进行承销，项目推行顺畅，对于我国开展资产证券化很有借鉴意义。最后文章结合证券化的业务特点和我国商业银行目前所面临的种种困境，认为推行资产证券化有利于减少商业银行的不良资产、提升收入水平、拓展融资渠道、降低运营风险，是在我国利率市场化和金融体系改革这一时代背景下的正确选择。从国际经验来看，充分利用资产证券化这一金融创新的工具是解决银行目前困境的重要途径，符合银行未来的发展趋势。
英文摘要：	Asset securitization, was born in the United States in the 1960 s, its itself is a financial innovation tool, research in asset securities lending in China began at the end of last century, with the deepening of research in recent years has accumulated relatively rich research achievements, including the pattern of securitization of credit assets, control, risk management, legal problems and the analysis of the feasibility of implementing in China. European and American countries of asset securitization model each are not identical, the United States mainly off-balance-sheet securitization business, while the Europeans are securitization in the table. 2008outbreak of severe financial crisis in the United States, in from all over the world and its heavy blow, but the outbreak of the crisis is the root cause of his unique, combined with the U.S. subprime crisis of 2008 lessons in our country paying close attention to the risk management of asset securitization products, especially strengthen the risk control for the underlying asset. CDB in 2012 issued “kai yuan yi hao” project carried out smoothly, securitization of credit assets by selecting high quality of credit assets as pool products, cooperating with trust, the company in credit enhancement, Banks and brokers to underwrite, project implement smoothly, for our country to carry out the asset securitization is of great significance. Finally combining the business characteristics of securitization and various predicaments faced by commercial Banks in China at present, that asset securitization is advantaged to the reduction of the non-performing assets of commercial Banks, enhance the level of income, expand the financing channels, reducing the operational risk, interest rate liberalization and the financial system reform in our country is under the background of the right choice in this era. From the international experience, make full use of the asset securitization is a financial innovation tool is an important approach to solve the bank at present dilemma, conform to the trend of the development of Banks
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